EX-10 2 qs6ssfinal.txt EX 10.1 SERIES SUPPLEMENT EXECUTION COPY ================================================================================ RESIDENTIAL ACCREDIT LOANS, INC., Company, RESIDENTIAL FUNDING CORPORATION, Master Servicer, and DEUTSCHE BANK TRUST COMPANY AMERICAS, Trustee SERIES SUPPLEMENT, DATED AS OF MAY 1, 2005, TO STANDARD TERMS OF POOLING AND SERVICING AGREEMENT dated as of August 1, 2004 Mortgage Asset-Backed Pass-Through Certificates Series 2005-QS6 ================================================================================
Article I DEFINITIONS....................................................................4 Section 1.01. Definitions..........................................................4 Section 1.02. Use of Words and Phrases............................................19 Section 1.03. Determination of LIBOR..............................................19 Article II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES...........................................................21 Section 2.01. Conveyance of Mortgage Loans.......................................21 Section 2.02. Acceptance by Trustee. (See Section 2.02 of the Standard Terms)...22 Section 2.03. Representations, Warranties and Covenants of the Master Servicer and the Company......................................22 Section 2.04. Representations and Warranties of Sellers............................25 Section 2.05. Execution and Authentication of Certificates/Issuance of Certificates Evidencing Interests in REMIC I Certificates.......................25 Section 2.06. Conveyance of Uncertificated REMIC I and REMIC II Regular Interests; Acceptance by the Trustee..........................................25 Section 2.07. Issuance of Certificates Evidencing Interest in REMIC II.............25 Section 2.08. Purposes and Powers of the Trust (See Section 2.08 of the Standard Terms). ..........................................................25 Article III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS................................26 Article IV PAYMENTS TO CERTIFICATEHOLDERS.................................................27 Section 4.01. Certificate Account. (See Section 4.01 of the Standard Terms)........27 Section 4.02. Distributions. ......................................................27 Section 4.03. Statements to Certificateholders; Statements to the Rating Agencies; Exchange Act Reporting (See Section 4.03 of the Standard Terms)....34 Section 4.04. Distribution of Reports to the Trustee and the Company; Advances by the Master Servicer (See Section 4.04 of the Standard Terms).......34 Section 4.05. Allocation of Realized Losses. ......................................34 Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property. (See Section 4.06 of the Standard Terms)...........................36 Section 4.07. Optional Purchase of Defaulted Mortgage Loans. (See Section 4.07 of the Standard Terms)...............................................36 Section 4.08. Surety Bond. (See Section 4.08 of the Standard Terms)................36 Article V THE CERTIFICATES................................................................37 Article VI THE COMPANY AND THE MASTER SERVICER..........................................38 Article VII DEFAULT......................................................................39 Article VIII CONCERNING THE TRUSTEE.......................................................40 Article IX TERMINATION..................................................................41 Article X REMIC PROVISIONS............................................................42 Section 10.01.REMIC Administration. (See Section 10.01 of the Standard Terms).....42 Section 10.02.Master Servicer; REMIC Administrator and Trustee Indemnification. (See Section 10.02 of the Standard Terms).................................42 Section 10.03.Designation of REMICs................................................42 Section 10.04.Distributions on the Uncertificated REMIC I and REMIC II Regular Interests....................................................42 Section 10.05.Compliance with Withholding Requirements.............................44 Article XI MISCELLANEOUS PROVISIONS......................................................45 Section 11.01.Amendment. (See Section 11.01 of the Standard Terms)................45 Section 11.02.Recordation of Agreement; Counterparts. (See Section 11.02 of the Standard Terms) ...........................................................45 Section 11.03.Limitation on Rights of Certificateholders. (See Section 11.03 of the Standard Terms) ...................................................45 Section 11.04.Governing Laws. (See Section 11.04 of the Standard Terms)...........45 Section 11.05.Notices..............................................................45 Section 11.06.Required Notices to Rating Agency and Subservicer. (See Section 11.06 of the Standard Terms)............................................... .....46 Section 11.07.Severability of Provisions. (See Section 11.07 of the Standard Terms)46 Section 11.08.Supplemental Provisions for Resecuritization. (See Section 11.08 of the Standard Terms)................................................46 Section 11.09.Allocation of Voting Rights..........................................46 Section 11.10.No Petition..........................................................46
EXHIBITS Exhibit One: Mortgage Loan Schedule Exhibit Two: Schedule of Discount Fractions Exhibit Three: Information to be Included in Monthly Distribution Date Statement Exhibit Four: Standard Terms of Pooling and Servicing Agreement Dated as of August 1, 2004 This is a Series Supplement, dated as of May 1, 2005 (the "Series Supplement"), to the Standard Terms of Pooling and Servicing Agreement, dated as of August 1, 2004 and attached as Exhibit Four hereto (the "Standard Terms" and, together with this Series Supplement, the "Pooling and Servicing Agreement" or "Agreement"), among RESIDENTIAL ACCREDIT LOANS, INC., as the company (together with its permitted successors and assigns, the "Company"), RESIDENTIAL FUNDING CORPORATION, as master servicer (together with its permitted successors and assigns, the "Master Servicer"), and DEUTSCHE BANK TRUST COMPANY AMERICAS, as Trustee (together with its permitted successors and assigns, the "Trustee"). PRELIMINARY STATEMENT: The Company intends to sell mortgage asset-backed pass-through certificates (collectively, the "Certificates"), to be issued hereunder in multiple classes, which in the aggregate will evidence the entire beneficial ownership interest in the Mortgage Loans (as defined herein). As provided herein, the REMIC Administrator will make an election to treat the entire segregated pool of assets described in the definition of Trust Fund, and subject to this Agreement (including the Mortgage Loans), as two real estate mortgage investment conduits (each, a "REMIC") for federal income tax purposes. The terms and provisions of the Standard Terms are hereby incorporated by reference herein as though set forth in full herein. If any term or provision contained herein shall conflict with or be inconsistent with any provision contained in the Standard Terms, the terms and provisions of this Series Supplement shall govern. All capitalized terms not otherwise defined herein shall have the meanings set forth in the Standard Terms. The Pooling and Servicing Agreement shall be dated as of the date of this Series Supplement. 1 The following table sets forth the designation, type, Pass-Through Rate, aggregate Initial Certificate Principal Balance, Maturity Date, initial ratings and certain features for each Class of Certificates comprising the interests in the Trust Fund created hereunder.
AGGREGATE INITIAL CERTIFICATE PASS-THROUGH PRINCIPAL MATURITY FITCH/ MINIMUM DESIGNATION RATE BALANCE FEATURES(1) DATE MOODY'S DENOMINATIONS(2) Class A-1 5.00% $148,000,000.00 Senior/Fixed Rate May 25, 2035 AAA/Aaa $25,000.00 Class A-2 5.75% $0.00 Senior/Interest May 25, 2035 AAA/ Aaa $2,000,000.00 Only/Fixed Rate Class A-3 Adjustable $45,616,667.00 Senior/Floater/ May 25, 2035 AAA/ Aaa $25,000.00 Rate (3) Adjustable Rate Class A-4 Adjustable $13,883,333.00 Senior/ Inverse May 25, 2035 AAA/ Aaa $25,000.00 Rate(3) Floater/Adjustable Rate Class A-5 5.75% $12,787,000.00 Senior/Fixed Rate May 25, 2035 AAA/ Aaa $25,000.00 Class A-6 5.75% $23,844,000.00 Senior/Super May 25, 2035 AAA/ Aaa $25,000.00 Senior/Lockout/Fixed Rate Class A-7 5.75% $1,190,000.00 Senior/Senior May 25, 2035 AAA/ Aa1 $25,000.00 Support/Lockout/Fixed Rate Class A-8 5.75% $5,000,000.00 Senior/Fixed Rate May 25, 2035 AAA/ Aaa $25,000.00 Class A-P 0.00% $902,809.40 Senior/Principal Only May 25, 2035 AAA/ Aaa $25,000.00 Class A-V Variable $0.00(5) Senior/Interest May 25, 2035 AAA/ Aaa $2,000,000.00 Rate(4) Only/Variable Rate Class R-I 5.75% $100.00 Senior/Residual/Fixed May 25, 2035 AAA/ Aaa (6) Rate Class R-II 5.75% $100.00 Senior/Residual/Fixed May 25, 2035 AAA/ Aaa (6) Rate Class M-1 5.75% $6,363,600.00 Mezzanine/Fixed Rate May 25, 2035 AA/NA $25,000.00 Class M-2 5.75% $2,518,800.00 Mezzanine/Fixed Rate May 25, 2035 A/NA $250,000.00 Class M-3 5.75% $1,723,500.00 Mezzanine/Fixed Rate May 25, 2035 BBB/NA $250,000.00 Class B-1 5.75% $1,325,700.00 Subordinate/Fixed Rate May 25, 2035 BB/NA $250,000.00 Class B-2 5.75% $795,400.00 Subordinate/Fixed Rate May 25, 2035 B/NA $250,000.00 Class B-3 5.75% $1,193,233.00 Subordinate/Fixed Rate May 25, 2035 NA/NA $250,000.00
(1) The Certificates, other than the Class B and Class R Certificates shall be Book-Entry Certificates. The Class B Certificates and the Class R Certificates shall be delivered to the holders thereof in physical form. (2) The Certificates, other than the Class R Certificates, shall be issuable in minimum dollar denominations as indicated above (by Certificate Principal Balance or Notional Amount, as applicable) and integral multiples of $1 (or $1,000 in the case of the Class B-1, Class B-2 and Class B-3 Certificates) in excess thereof, except that one Certificate of any of the Class B-1, Class B-2 and Class B-3 Certificates that contain an uneven multiple of $1,000 shall be issued in a denomination equal to the sum of the related minimum denomination set forth above and such uneven multiple for such Class or the sum of such denomination and an integral multiple of $1,000. (3) ------------------------------------------------------ Adjustable Initial Formula Maximum Minimum Rates: ------------------------------------------------------ ------------------------------------------------------------------- Class A-3 3.60% LIBOR + 0.50% 7.50% 0.50% ------------------------------------------------------------------- ------------------------------------------------------------------- Class A-4 12.8142857% 23.0% - (LIBOR 23.00% 0.00% multiplied by 3.28571429) (4) The initial Pass-Through Rate on the Class A-V Certificates is 0. 4054%. (5) The Class A-V Certificates do not have a principal balance. For the purpose of calculating interest payments, interest on the Class A-V Certificates will accrue on a notional amount equal to the aggregate Stated Principal Balance of the Mortgage Loans immediately prior to the related Distribution Date. (6) Each class of the Class R Certificates shall be issuable in minimum denominations of not less than a 20% Percentage Interest; provided, however, that one Class R Certificate of each Class will be issuable to Residential Funding as "tax matters person" pursuant to Section 10.01(c) and (e) in a minimum denomination representing a Percentage Interest of not less than 0.01%. 2 The Mortgage Loans have an aggregate principal balance as of the Cut-off Date of $265,144,242.73 In consideration of the mutual agreements herein contained, the Company, the Master Servicer and the Trustee agree as follows: 3 ARTICLE I ARTICLE I DEFINITIONS Section 1.01. Definitions. Whenever used in this Agreement, the following words and phrases, unless the context otherwise requires, shall have the meanings specified in this Article. Adjustable Rate Certificates: Any of the Class A-3 Certificates and the Class A-4 Certificates. Bankruptcy Amount: As of any date of determination prior to the first anniversary of the Cut-off Date, an amount equal to the excess, if any, of (A) $112,954 over (B) the aggregate amount of Bankruptcy Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 of this Series Supplement. As of any date of determination on or after the first anniversary of the Cut-off Date, an amount equal to the excess, if any, of (1) the lesser of (a) the Bankruptcy Amount calculated as of the close of business on the Business Day immediately preceding the most recent anniversary of the Cut-off Date coinciding with or preceding such date of determination (or, if such date of determination is an anniversary of the Cut-off Date, the Business Day immediately preceding such date of determination) (for purposes of this definition, the "Relevant Anniversary") and (b) the greater of (A) the greater of (i) the product of (x) an amount equal to the largest difference in the related Monthly Payment for any Non-Primary Residence Loan remaining in the Mortgage Pool (other than Additional Collateral Loans) which had an original Loan-to-Value Ratio of 80% or greater that would result if the Net Mortgage Rate thereof was equal to the weighted average (based on the principal balance of the Mortgage Loans as of the Relevant Anniversary) of the Net Mortgage Rates of all Mortgage Loans as of the Relevant Anniversary less 1.25% per annum, (y) a number equal to the weighted average remaining term to maturity, in months, of all Non-Primary Residence Loans remaining in the Mortgage Pool as of the Relevant Anniversary, and (z) one plus the quotient of the number of all Non-Primary Residence Loans remaining in the Mortgage Pool divided by the total number of Outstanding Mortgage Loans in the Mortgage Pool as of the Relevant Anniversary, and (ii) $50,000, and (B) (i) if the aggregate principal balance of the Non-Primary Residence Loans as of the Relevant Anniversary is less than 10% of the Stated Principal Balance of the Mortgage Loans as of the Relevant Anniversary, $0.00, or (ii) if the aggregate principal balance of the Non-Primary Residence Loans as of the Relevant Anniversary is equal to or greater than 10% of the Stated Principal Balance of the Mortgage Loans as of the Relevant Anniversary, the sum of (I) the aggregate principal balance of the Non-Primary Residence Loans with a Loan-to-Value Ratio of greater than 80.00% but less than or equal to 90.00% (other than Additional Collateral Loans), times 0.25%, (II) the 4 aggregate principal balance of the Non-Primary Residence Loans with a Loan-to-Value Ratio of greater than 90.00% but less than or equal to 95.00% (other than Additional Collateral Loans), times 0.50%, and (III) the aggregate principal balance of the Non-Primary Residence Loans with a Loan-to-Value Ratio of greater than 95.00% (other than Additional Collateral Loans) times 0.75%, in each case as of the Relevant Anniversary, over (2) the aggregate amount of Bankruptcy Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 since the Relevant Anniversary. The Bankruptcy Amount may be further reduced by the Master Servicer (including accelerating the manner in which such coverage is reduced) provided that prior to any such reduction, the Master Servicer shall (i) obtain written confirmation from each Rating Agency that such reduction shall not reduce the rating assigned to any Class of Certificates by such Rating Agency below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency and (ii) provide a copy of such written confirmation to the Trustee. Certificate: Any Class A, Class M, Class B or Class R Certificate. Certificate Account: The separate account or accounts created and maintained pursuant to Section 4.01 of the Standard Terms, which shall be entitled "Deutsche Bank Trust Company Americas, as trustee, in trust for the registered holders of Residential Accredit Loans, Inc., Mortgage Asset-Backed Pass-Through Certificates, Series 2004-QS6" and which must be an Eligible Account. Certificate Policy: None. Certificate Principal Balance: With respect to each Certificate (other than any Interest Only Certificate), on any date of determination, an amount equal to: (i) the Initial Certificate Principal Balance of such Certificate as specified on the face thereof, plus (ii) any Subsequent Recoveries added to the Certificate Principal Balance of such Certificate pursuant to Section 4.02, minus (iii) the sum of (x) the aggregate of all amounts previously distributed with respect to such Certificate (or any predecessor Certificate), and applied to reduce the Certificate Principal Balance thereof pursuant to Section 4.02(a) and (y) the aggregate of all reductions in Certificate Principal Balance deemed to have occurred in connection with Realized Losses which were previously allocated to such Certificate (or any predecessor Certificate) pursuant to Section 4.05; 5 provided, that the Certificate Principal Balance of the Class of Subordinate Certificates with the Lowest Priority at any given time shall be further reduced by an amount equal to the Percentage Interest evidenced by such Certificate multiplied by the excess, if any, of (A) the then aggregate Certificate Principal Balance of all Classes of Certificates then outstanding over (B) the then aggregate Stated Principal Balance of the Mortgage Loans. Class A Certificate: Any one of the Class A-1, Class A-2, Class A-3, Class A-4, Class A-5, Class A-6, Class A-7, Class A-8, Class A-V or Class A-P Certificates, executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed to the Standard Terms as Exhibit A. Class R Certificate: Any one of the Class R-I Certificates and Class R-II Certificates. Class R-I Certificate: Any one of the Class R-I Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed to the Standard Terms as Exhibit D and evidencing an interest designated as a "residual interest" in REMIC I for purposes of the REMIC Provisions. Class R-II Certificate: Any one of the Class R-II Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed to the Standard Terms as Exhibit D and evidencing an interest designated as a "residual interest" in REMIC II for purposes of the REMIC Provisions. Closing Date: May 27, 2005. Corporate Trust Office: The principal office of the Trustee at which at any particular time its corporate trust business with respect to this Agreement shall be administered, which office at the date of the execution of this instrument is located at 1761 East St. Andrew Place, Santa Ana, California 92705-4934, Attention: Residential Funding Corporation Series 2004-QS6. Cut-off Date: May 1, 2005. Determination Date: With respect to any Distribution Date, the second Business Day prior to each Distribution Date. Discount Net Mortgage Rate: 5.75% per annum. Due Period: With respect to each Distribution Date, the calendar month in which such Distribution Date occurs. Eligible Account: An account that is any of the following: (i) maintained with a depository institution the debt obligations of which have been rated by each Rating Agency in its highest rating available, or (ii) an account or accounts in a depository institution in which such accounts are fully insured to the limits established by the FDIC, provided that any deposits not so insured shall, to the extent acceptable to each Rating Agency, as evidenced in writing, be maintained such that (as evidenced by an Opinion of Counsel delivered to the Trustee and each Rating Agency) the registered Holders of Certificates have a claim with respect to the funds in such account or a perfected first security interest against any collateral (which shall be limited to Permitted Investments) securing such funds that is superior to claims of any other depositors or creditors of the depository institution with which such account is maintained, or (iii) in the case of the Custodial Account, a trust account or 6 accounts maintained in the corporate trust department of U.S. Bank, National Association, or (iv) in the case of the Certificate Account, a trust account or accounts maintained in the corporate trust division of the Trustee, or (v) an account or accounts of a depository institution acceptable to each Rating Agency (as evidenced in writing by each Rating Agency that use of any such account as the Custodial Account or the Certificate Account will not reduce the rating assigned to any Class of Certificates by such Rating Agency below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency). Eligible Funds: On any Distribution Date, the excess, if any, of the Available Distribution Amount over the sum of (i) the aggregate amount of Accrued Certificate Interest on the Senior Certificates, (ii) the Senior Principal Distribution Amount (determined without regard to Section 4.02(a)(ii)(Y)(D) hereof), (iii) the Class A-P Principal Distribution Amount (determined without regard to clause (E) of the definition of Class A-P Principal Distribution Amount) and (iv) the aggregate amount of Accrued Certificate Interest on the Class M, Class B-1 and Class B-2 Certificates. Floater Certificates: Any of the Class A-3 Certificates. Fraud Loss Amount: As of any date of determination after the Cut-off Date, an amount equal to: (X) prior to the first anniversary of the Cut-off Date an amount equal to 3.00% of the aggregate outstanding principal balance of all of the Mortgage Loans as of the Cut-off Date minus the aggregate amount of Fraud Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 of this Series Supplement since the Cut-off Date up to such date of determination, (Y) from the first to, but not including, the second anniversary of the Cut-off Date, an amount equal to (1) the lesser of (a) the Fraud Loss Amount as of the most recent anniversary of the Cut-off Date and (b) 2.00% of the aggregate outstanding principal balance of all of the Mortgage Loans as of the most recent anniversary of the Cut-off Date minus (2) the aggregate amount of Fraud Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 since the most recent anniversary of the Cut-off Date up to such date of determination, and (Z) from the second to, but not including, the fifth anniversary of the Cut-off Date, an amount equal to (1) the lesser of (a) the Fraud Loss Amount as of the most recent anniversary of the Cut-off Date and (b) 1.00% of the aggregate outstanding principal balance of all of the Mortgage Loans as of the most recent anniversary of the Cut-off Date minus (2) the aggregate amount of Fraud Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 since the most recent anniversary of the Cut-off Date up to such date of determination. On and after the fifth anniversary of the Cut-off Date, the Fraud Loss Amount shall be zero. The Fraud Loss Amount may be further reduced by the Master Servicer (including accelerating the manner in which such coverage is reduced) provided that prior to any such reduction, the Master Servicer shall (i) obtain written confirmation from each Rating Agency that such reduction shall not reduce the rating assigned to any Class of Certificates by such Rating Agency below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency and (ii) provide a copy of such written confirmation to the Trustee. 7 Initial Monthly Payment Fund: $816.73 representing scheduled principal amortization and interest at the Net Mortgage Rate payable during the June 2005 Due Period, for those Mortgage Loans for which the Trustee will not be entitled to receive such payment. Initial Notional Amount: With respect to the Class A-2 Certificates, $19,304,347.82. With respect to the Class A-V Certificates or Subclass thereof issued pursuant to Section 5.01(c) of the Standard Terms, the aggregate Cut-off Date Principal Balance of the Mortgage Loans corresponding to the Uncertificated REMIC I Regular Interests Z represented by such Class or Subclass on such date. Initial Subordinate Class Percentage: With respect to each Class of Subordinate Certificates, an amount which is equal to the initial aggregate Certificate Principal Balance of such Class of Subordinate Certificates divided by the aggregate Stated Principal Balance of all the Mortgage Loans as of the Cut-off Date as follows: Class M-1: 2.40% Class B-1: 0.50% Class M-2: 0.95% Class B-2: 0.30% Class M-3: 0.65% Class B-3: 0.45% Interest Accrual Period: With respect to any Class of Certificates (other than the Adjustable Rate Certificates) and any Distribution Date, the calendar month preceding the month in which such Distribution Date occurs. With respect to the Adjustable Rate Certificates and any Distribution Date, the period beginning on the 25th day of the month preceding the month in which such Distribution Date occurs and ending on the 24th day of the month in which such Distribution Date occurs. Interest Only Certificates: Any one of the Class A-2 or Class A-V Certificates. The Interest Only Certificates will have no Certificate Principal Balance. Inverse Floater Certificates: The Class A-4 Certificates. LIBOR: With respect to any Distribution Date, the arithmetic mean of the London interbank offered rate quotations for one-month U.S. Dollar deposits, expressed on a per annum basis, determined in accordance with Section 1.03. Lockout Certificates: The Class A-6 Certificates and the Class A-7 Certificates. Lockout Percentage: For any Distribution Date occurring prior to the Distribution Date in June 2010, 0%, and for any Distribution Date thereafter, as follows: 30% for any Distribution Date on or after June 2010 and prior to June 2011; 40% for any Distribution Date on or after June 2011 and prior to June 2012; 60% for any Distribution Date on or after June 2012 and prior to June 2013; 80% for any Distribution Date on or after June 2013 and prior to June 2014; and 100% for any Distribution Date thereafter. Maturity Date: May 25, 2035, the Distribution Date immediately following the latest scheduled maturity date of any Mortgage Loan. 8 Mortgage Loan Schedule: The list or lists of the Mortgage Loans attached hereto as Exhibit One (as amended from time to time to reflect the addition of Qualified Substitute Mortgage Loans), which list or lists shall set forth the following information as to each Mortgage Loan: (i) the Mortgage Loan identifying number ("RFC LOAN #"); (ii) the maturity of the Mortgage Note ("MATURITY DATE"); (iii) the Mortgage Rate ("ORIG RATE"); (iv) the Subservicer pass-through rate ("CURR NET"); (v) the Net Mortgage Rate ("NET MTG RT"); (vi) the Pool Strip Rate ("STRIP"); (vii) the initial scheduled monthly payment of principal, if any, and interest ("ORIGINAL P & I"); (viii) the Cut-off Date Principal Balance ("PRINCIPAL BAL"); (ix) the Loan-to-Value Ratio at origination ("LTV"); (x) the rate at which the Subservicing Fee accrues ("SUBSERV FEE") and at which the Servicing Fee accrues ("MSTR SERV FEE"); (xi) a code "T," "BT" or "CT" under the column "LN FEATURE," indicating that the Mortgage Loan is secured by a second or vacation residence; and (xii) a code "N" under the column "OCCP CODE," indicating that the Mortgage Loan is secured by a non-owner occupied residence. Such schedule may consist of multiple reports that collectively set forth all of the information required. Notional Amount: As of any Distribution Date, (i) with respect to the Class A-2 Certificates, an amount equal to the Certificate Principal Balance of the Class A-1 Certificates immediately prior to such date multiplied by (3/23); and (ii) with respect to any Class A-V Certificates or Subclass thereof issued pursuant to Section 5.01(c) of the Standard Terms, the aggregate Stated Principal Balance of the Mortgage Loans corresponding to the Uncertificated REMIC I Regular Interests Z represented by such Class or Subclass immediately prior to such date. Pass-Through Rate: With respect to the Senior Certificates (other than the Adjustable Rate, Class A-V and Class A-P Certificates), Class M Certificates and Class B Certificates and any Distribution Date, the per annum rates set forth in the Preliminary Statement hereto. 9 o With respect to the Class A-3 Certificates and the initial Interest Accrual Period, 3.60% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to LIBOR plus 0.50%, subject to a maximum rate equal to 7.50% and a minimum rate of 0. 50% per annum. o With respect to the Class A-4 Certificates and the initial Interest Accrual Period, 12.8142857% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to 23.00% minus (LIBOR multiplied by 3.28571429), subject to a maximum rate of 23.00% per annum and a minimum rate of 0.00% per annum. With respect to the Class A-V Certificates (other than any Subclass thereof) and any Distribution Date, a rate equal to the weighted average, expressed as a percentage, of the Pool Strip Rates of all Mortgage Loans as of the Due Date in the related Due Period, weighted on the basis of the respective Stated Principal Balances of such Mortgage Loans as of the day immediately preceding such Distribution Date (or, with respect to the initial Distribution Date, at the close of business on the Cut-off Date). With respect to the Class A-V Certificates and the initial Distribution Date the Pass-Through Rate is equal to 0.4054% per annum. With respect to any Subclass of Class A-V Certificates and any Distribution Date, a rate equal to the weighted average, expressed as a percentage, of the Pool Strip Rates of all Mortgage Loans corresponding to the Uncertificated REMIC I Regular Interests Z represented by such Subclass as of the Due Date in the related Due Period, weighted on the basis of the respective Stated Principal Balances of such Mortgage Loans as of the day immediately preceding such Distribution Date (or with respect to the initial Distribution Date, at the close of business on the Cut-off Date). The Principal Only Certificates have no Pass-Through Rate and are not entitled to Accrued Certificate Interest. Permitted Investments: One or more of the following: (i) obligations of or guaranteed as to timely payment of principal and interest by the United States or any agency or instrumentality thereof when such obligations are backed by the full faith and credit of the United States; (ii) repurchase agreements on obligations specified in clause (i) maturing not more than one month from the date of acquisition thereof, provided that the unsecured short-term debt obligations of the party agreeing to repurchase such obligations are at the time rated by each Rating Agency in its highest short-term rating available; (iii) federal funds, certificates of deposit, demand deposits, time deposits and bankers' acceptances (which shall each have an original maturity of not more than 90 days and, in the case of bankers' acceptances, shall in no event have an original maturity of more than 365 days or a remaining maturity of more than 30 days) denominated in United States dollars of any U.S. depository institution or trust company incorporated under the laws of the United States or any state thereof or of any domestic branch of a foreign depository institution or trust company; provided that the debt obligations of such depository institution or trust company at the date of acquisition thereof have been rated by each Rating Agency in its highest short-term rating available; and, provided further that, if the original maturity of such short-term obligations of a domestic branch of a foreign depository institution or trust company shall exceed 30 days, the short-term rating of such institution shall be A-1+ in the case of Standard & Poor's if Standard & Poor's is a Rating Agency; 10 (iv) commercial paper and demand notes (having original maturities of not more than 365 days) of any corporation incorporated under the laws of the United States or any state thereof which on the date of acquisition has been rated by each Rating Agency in its highest short-term rating available; provided that such commercial paper shall have a remaining maturity of not more than 30 days; (v) any mutual fund, money market fund, common trust fund or other pooled investment vehicle, the assets of which are limited to instruments that otherwise would constitute Permitted Investments hereunder and have been rated by each Rating Agency in its highest short-term rating available (in the case of Standard & Poor's such rating shall be either AAAm or AAAm-G), including any such fund that is managed by the Trustee or any affiliate of the Trustee or for which the Trustee or any of its affiliates acts as an adviser; and (vi) other obligations or securities that are acceptable to each Rating Agency as a Permitted Investment hereunder and will not reduce the rating assigned to any Class of Certificates by such Rating Agency (without giving effect to any Certificate Policy (if any) in the case of Insured Certificates (if any)) below the then-current rating, as evidenced in writing; provided, however, that no instrument shall be a Permitted Investment if it represents, either (1) the right to receive only interest payments with respect to the underlying debt instrument or (2) the right to receive both principal and interest payments derived from obligations underlying such instrument and the principal and interest payments with respect to such instrument provide a yield to maturity greater than 120% of the yield to maturity at par of such underlying obligations. References herein to the highest rating available on unsecured long-term debt shall mean AAA in the case of Standard & Poor's and Fitch and Aaa in the case of Moody's, and for purposes of this Agreement, any references herein to the highest rating available on unsecured commercial paper and short-term debt obligations shall mean the following: A-1 in the case of Standard & Poor's, P-1 in the case of Moody's and F-1 in the case of Fitch; provided, however, that any Permitted Investment that is a short-term debt obligation rated A-1 by Standard & Poor's must satisfy the following additional conditions: (i) the total amount of debt from A-1 issuers must be limited to the investment of monthly principal and interest payments (assuming fully amortizing collateral); (ii) the total amount of A-1 investments must not represent more than 20% of the aggregate outstanding Certificate Principal Balance of the Certificates and each investment must not mature beyond 30 days; (iii) the terms of the debt must have a predetermined fixed dollar amount of principal due at maturity that cannot vary; and (iv) if the investments may be liquidated prior to their maturity or are being relied on to meet a certain yield, interest must be tied to a single interest rate index plus a single fixed spread (if any) and must move proportionately with that index. Prepayment Assumption: The prepayment assumption to be used for determining the accrual of original issue discount and premium and market discount on the Certificates for federal income tax purposes, which assumes a constant prepayment rate of 8.0% per annum of the then outstanding principal 11 balance of the related Mortgage Loans in the first month of the life of such Mortgage Loans and an additional approximately 1.45454545% per annum in each month thereafter until the twelfth month, and beginning in the twelfth month and in each month thereafter during the life of the Mortgage Loans, a constant prepayment rate of 24.0% per annum. Prepayment Distribution Percentage: With respect to any Distribution Date and each Class of Subordinate Certificates, under the applicable circumstances set forth below, the respective percentages set forth below: (i) For any Distribution Date prior to the Distribution Date in June 2010 (unless the Certificate Principal Balances of the Senior Certificates (other than the Class A-P Certificates) have been reduced to zero), 0%. (ii) For any Distribution Date not discussed in clause (i) above on which any Class of Subordinate Certificates are outstanding: (a) in the case of the Class of Subordinate Certificates then outstanding with the Highest Priority and each other Class of Subordinate Certificates for which the related Prepayment Distribution Trigger has been satisfied, a fraction, expressed as a percentage, the numerator of which is the Certificate Principal Balance of such Class immediately prior to such date and the denominator of which is the sum of the Certificate Principal Balances immediately prior to such date of (1) the Class of Subordinate Certificates then outstanding with the Highest Priority and (2) all other Classes of Subordinate Certificates for which the respective Prepayment Distribution Triggers have been satisfied; and (b) in the case of each other Class of Subordinate Certificates for which the Prepayment Distribution Triggers have not been satisfied, 0%; and (iii) Notwithstanding the foregoing, if the application of the foregoing percentages on any Distribution Date as provided in Section 4.02 of this Series Supplement (determined without regard to the proviso to the definition of "Subordinate Principal Distribution Amount") would result in a distribution in respect of principal of any Class or Classes of Subordinate Certificates in an amount greater than the remaining Certificate Principal Balance thereof (any such class, a "Maturing Class"), then: (a) the Prepayment Distribution Percentage of each Maturing Class shall be reduced to a level that, when applied as described above, would exactly reduce the Certificate Principal Balance of such Class to zero; (b) the Prepayment Distribution Percentage of each other Class of Subordinate Certificates (any such Class, a "Non-Maturing Class") shall be recalculated in accordance with the provisions in paragraph (ii) above, as if the Certificate Principal Balance of each Maturing Class had been reduced to zero (such percentage as recalculated, the "Recalculated Percentage"); (c) the total amount of the reductions in the Prepayment Distribution Percentages of the Maturing Class or Classes pursuant to clause (a) of this 12 sentence, expressed as an aggregate percentage, shall be allocated among the Non-Maturing Classes in proportion to their respective Recalculated Percentages (the portion of such aggregate reduction so allocated to any Non-Maturing Class, the "Adjustment Percentage"); and (d) for purposes of such Distribution Date, the Prepayment Distribution Percentage of each Non-Maturing Class shall be equal to the sum of (1) the Prepayment Distribution Percentage thereof, calculated in accordance with the provisions in paragraph (ii) above as if the Certificate Principal Balance of each Maturing Class had not been reduced to zero, plus (2) the related Adjustment Percentage. Principal Only Certificates: Any one of the Class A-P Certificates. Record Date: With respect to each Distribution Date and each Class of Certificates (other than the Adjustable Rate Certificates that are Book-Entry Certificates), the close of business on the last Business Day of the month preceding the month in which the related Distribution Date occurs. With respect to each Distribution Date and the Adjustable Rate Certificates (so long as they are Book-Entry Certificates), the close of business on the Business Day prior to such Distribution Date. Related Classes: As to any Uncertificated REMIC I Regular Interest, those classes of Certificates identified as "Related Classes of Certificates" to such Uncertificated REMIC I Regular Interest in the definition of Uncertificated REMIC I Regular Interest. REMIC I: The segregated pool of assets, with respect to which a REMIC election is to be made, consisting of: (i) the Mortgage Loans and the related Mortgage Files, (ii) all payments and collections in respect of the Mortgage Loans due after the Cut-off Date (other than Monthly Payments due in the month of the Cut-off Date) as shall be on deposit in the Custodial Account or in the Certificate Account and identified as belonging to the Trust Fund, including the proceeds from the liquidation of Additional Collateral for any Additional Collateral Loan, but not including amounts on deposit in the Initial Monthly Payment Fund, (iii) property which secured a Mortgage Loan and which has been acquired for the benefit of the Certificateholders by foreclosure or deed in lieu of foreclosure, (iv) the hazard insurance policies and Primary Insurance Policies, if any, the Pledged Assets with respect to each Pledged Asset Mortgage Loan, and the interest in the Surety Bond transferred to the Trustee pursuant to Section 2.01 herein, and (v) all proceeds of clauses (i) through (iv) above. REMIC I Certificates: The Class R-I Certificates. 13 REMIC II: The segregated pool of assets consisting of the Uncertificated REMIC I Regular Interests conveyed in trust to the Trustee for the benefit of the holders of each Class of Certificates (other than the Class R-I Certificates) pursuant to Section 2.06, with respect to which a separate REMIC election is to be made. Senior Accelerated Distribution Percentage: With respect to any Distribution Date occurring on or prior to the 60th Distribution Date and, with respect to any Mortgage Pool comprised of two or more Loan Groups, any Loan Group, 100%. With respect to any Distribution Date thereafter and any such Loan Group, if applicable, as follows: (i) for any Distribution Date after the 60th Distribution Date but on or prior to the 72nd Distribution Date, the related Senior Percentage for such Distribution Date plus 70% of the related Subordinate Percentage for such Distribution Date; (ii) for any Distribution Date after the 72nd Distribution Date but on or prior to the 84th Distribution Date, the related Senior Percentage for such Distribution Date plus 60% of the related Subordinate Percentage for such Distribution Date; (iii) for any Distribution Date after the 84th Distribution Date but on or prior to the 96th Distribution Date, the related Senior Percentage for such Distribution Date plus 40% of the related Subordinate Percentage for such Distribution Date; (iv) for any Distribution Date after the 96th Distribution Date but on or prior to the 108th Distribution Date, the related Senior Percentage for such Distribution Date plus 20% of the related Subordinate Percentage for such Distribution Date; and (v) for any Distribution Date thereafter, the Senior Percentage for such Distribution Date; provided, however, (i) that any scheduled reduction to the Senior Accelerated Distribution Percentage described above shall not occur as of any Distribution Date unless either (a)(1)(X) the outstanding principal balance of the Mortgage Loans delinquent 60 days or more (including Mortgage Loans which are in foreclosure, have been foreclosed or otherwise liquidated, or with respect to which the Mortgagor is in bankruptcy and any REO Property) averaged over the last six months, as a percentage of the aggregate outstanding Certificate Principal Balance of the Subordinate Certificates, is less than 50% or (Y) the outstanding principal balance of Mortgage Loans delinquent 60 days or more (including Mortgage Loans which are in foreclosure, have been foreclosed or otherwise liquidated, or with respect to which the Mortgagor is in bankruptcy and any REO Property) averaged over the last six months, as a percentage of the aggregate outstanding principal balance of all Mortgage Loans averaged over the last six months, does not exceed 2% and (2) Realized Losses on the Mortgage Loans to date for such Distribution Date if occurring during the sixth, seventh, eighth, ninth or tenth year (or any year thereafter) after the Closing Date are less than 30%, 35%, 40%, 45% or 50%, respectively, of the sum of the Initial Certificate Principal Balances of the Subordinate Certificates or 14 (b)(1) the outstanding principal balance of Mortgage Loans delinquent 60 days or more (including Mortgage Loans which are in foreclosure, have been foreclosed or otherwise liquidated, or with respect to which the Mortgagor is in bankruptcy and any REO Property) averaged over the last six months, as a percentage of the aggregate outstanding principal balance of all Mortgage Loans averaged over the last six months, does not exceed 4% and (2) Realized Losses on the Mortgage Loans to date for such Distribution Date, if occurring during the sixth, seventh, eighth, ninth or tenth year (or any year thereafter) after the Closing Date are less than 10%, 15%, 20%, 25% or 30%, respectively, of the sum of the Initial Certificate Principal Balances of the Subordinate Certificates, and (ii) that for any Distribution Date on which the Senior Percentage is greater than the Senior Percentage as of the Closing Date, the Senior Accelerated Distribution Percentage for such Distribution Date shall be 100%, or, if the Mortgage Pool is comprised of two or more Loan Groups, for any Distribution Date on which the weighted average of the Senior Percentages for each Loan Group, weighted on the basis of the Stated Principal Balances of the Mortgage Loans in the related Loan Group (excluding the Discount Fraction of the Discount Mortgage Loans in such Loan Group) exceeds the weighted average of the initial Senior Percentages (calculated on such basis) for each Loan Group, each of the Senior Accelerated Distribution Percentages for such Distribution Date will equal 100%. Notwithstanding the foregoing, upon the reduction of the Certificate Principal Balances of the related Senior Certificates (other than the Class A-P Certificates, if any) to zero, the related Senior Accelerated Distribution Percentage shall thereafter be 0%. Senior Certificate: Any one of the Class A Certificates or Class R Certificates, executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed to the Standard Terms as Exhibit A and Exhibit D. Senior Percentage: As of any Distribution Date, the lesser of 100% and a fraction, expressed as a percentage, the numerator of which is the aggregate Certificate Principal Balance of the Senior Certificates (other than the Class A-P Certificates) immediately prior to such Distribution Date and the denominator of which is the aggregate Stated Principal Balance of all of the Mortgage Loans (or related REO Properties) (other than the related Discount Fraction of each Discount Mortgage Loan) immediately prior to such Distribution Date. Senior Principal Distribution Amount: With respect to any Distribution Date, the lesser of (a) the balance of the Available Distribution Amount remaining after the distribution of all amounts required to be distributed therefrom pursuant to Section 4.02(a)(i) and Section 4.02(a)(ii)(X) (excluding any amount distributable pursuant to clause (E) of the definition of "Class A-P Principal Distribution Amount") and (b) the sum of the amounts required to be distributed to the Senior Certificateholders on such Distribution Date pursuant to Sections 4.02(a)(ii)(Y), 4.02(a)(xvi) and 4.02(a)(xvii). 15 Senior Support Certificates: The Class A-7 Certificates Special Hazard Amount: As of any Distribution Date, an amount equal to $2,651,442 minus the sum of (i) the aggregate amount of Special Hazard Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 of this Series Supplement and (ii) the Adjustment Amount (as defined below) as most recently calculated. For each anniversary of the Cut-off Date, the Adjustment Amount shall be equal to the amount, if any, by which the amount calculated in accordance with the preceding sentence (without giving effect to the deduction of the Adjustment Amount for such anniversary) exceeds the greater of (A) the greater of (i) the product of the Special Hazard Percentage for such anniversary multiplied by the outstanding principal balance of all the Mortgage Loans on the Distribution Date immediately preceding such anniversary and (ii) twice the outstanding principal balance of the Mortgage Loan with the largest outstanding principal balance as of the Distribution Date immediately preceding such anniversary and (B) the greater of (i) the product of 0.50% multiplied by the outstanding principal balance of all Mortgage Loans on the Distribution Date immediately preceding such anniversary multiplied by a fraction, the numerator of which is equal to the aggregate outstanding principal balance (as of the immediately preceding Distribution Date) of all of the Mortgage Loans secured by Mortgaged Properties located in the State of California divided by the aggregate outstanding principal balance (as of the immediately preceding Distribution Date) of all of the Mortgage Loans, expressed as a percentage, and the denominator of which is equal to 11.8% (which percentage is equal to the percentage of Mortgage Loans by aggregate principal balance initially secured by Mortgaged Properties located in the State of California) and (ii) the aggregate outstanding principal balance (as of the immediately preceding Distribution Date) of the largest Mortgage Loan secured by a Mortgaged Property (or, with respect to a Cooperative Loan, the related Cooperative Apartment) located in the State of California. The Special Hazard Amount may be further reduced by the Master Servicer (including accelerating the manner in which coverage is reduced) provided that prior to any such reduction, the Master Servicer shall (i) obtain written confirmation from each Rating Agency that such reduction shall not reduce the rating assigned to any Class of Certificates by such Rating Agency below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency and (ii) provide a copy of such written confirmation to the Trustee. Special Hazard Percentage: As of each anniversary of the Cut-off Date, the greater of (i) 1.0% and (ii) the largest percentage obtained by dividing the aggregate outstanding principal balance (as of immediately preceding Distribution Date) of the Mortgage Loans secured by Mortgaged Properties located in a single, five-digit zip code area in the State of California by the outstanding principal balance of all the Mortgage Loans as of the immediately preceding Distribution Date. Subordinate Principal Distribution Amount: With respect to any Distribution Date and each Class of Subordinate Certificates, (a) the sum of (i) the product of (x) the related Subordinate Class Percentage for such Class and (y) the aggregate of the amounts calculated (without giving effect to the related Senior Percentages) for such Distribution Date under clauses (1), (2) and (3) of Section 4.02(a)(ii)(Y)(A) to the extent not payable to the Senior Certificates; (ii) such Class's pro rata share, based on the Certificate Principal Balance of each Class of Subordinate Certificates then outstanding, of the principal collections described in Section 4.02(a)(ii)(Y)(B)(b) (without giving effect to the Senior Accelerated Distribution Percentage) to the extent such collections are not otherwise distributed to the Senior Certificates; (iii) the product of (x) the related Prepayment Distribution Percentage and (y) the aggregate of all Principal Prepayments in Full received in the related 16 Prepayment Period and Curtailments received in the preceding calendar month (other than the related Discount Fraction of such Principal Prepayments in Full and Curtailments with respect to a Discount Mortgage Loan) to the extent not payable to the Senior Certificates; (iv) if such Class is the Class of Subordinate Certificates with the Highest Priority, any Excess Subordinate Principal Amount for such Distribution Date not paid to the Senior Certificates; and (v) any amounts described in clauses (i), (ii) and (iii) as determined for any previous Distribution Date, that remain undistributed to the extent that such amounts are not attributable to Realized Losses which have been allocated to a Class of Subordinate Certificates; minus (b) the sum of (i) with respect to the Class of Subordinate Certificates with the Lowest Priority, any Excess Subordinate Principal Amount for such Distribution Date; and (ii) the Capitalization Reimbursement Amount for such Distribution Date, other than the related Discount Fraction of any portion of that amount related to each Discount Mortgage Loan, multiplied by a fraction, the numerator of which is the Subordinate Principal Distribution Amount for such Class of Subordinate Certificates, without giving effect to this clause (b)(ii), and the denominator of which is the sum of the principal distribution amounts for all Classes of Certificates other than the Class A-P Certificates, without giving effect to any reductions for the Capitalization Reimbursement Amount. Super Senior Certificates: The Class A-6 Certificates. Super Senior Optimal Percentage: As of any Distribution Date on and after the Credit Support Depletion Date, a fraction, expressed as a percentage, the numerator of which is the Certificate Principal Balance of the Super Senior Certificates immediately prior to such Distribution Date and the denominator of which is the aggregate Certificate Principal Balance of the Senior Certificates, other than the Class A-P Certificates, immediately prior to such Distribution Date. Super Senior Optimal Principal Distribution Amount: As of any Distribution Date on or after the Credit Support Depletion Date, an amount equal to the product of (a) the then applicable Super Senior Optimal Percentage and (b) the amounts described in Section 4.02(a)(ii)(Y). Uncertificated Accrued Interest: With respect to each Distribution Date, (i) as to each Uncertificated REMIC I Regular Interest other than each Uncertificated REMIC I Regular Interest Z, an amount equal to the aggregate amount of Accrued Certificate Interest that would result under the terms of the definition thereof on the Related Classes of Certificates (excluding any Interest Only Certificates) if the Pass-Through Rate on such Classes were equal to the Uncertificated Pass-Through Rate on such Uncertificated REMIC I Regular Interest, (ii) as to each Uncertificated REMIC I Regular Interest Z and each Uncertificated REMIC II Regular Interest Z, an amount equal to one month's interest at the Pool Strip Rate of the related Mortgage Loan on the principal balance of such Mortgage Loan reduced by such Interest's pro-rata share of any prepayment interest shortfalls or other reductions of interest allocable to the Class A-V Certificates. 17 Uncertificated Pass-Through Rate: With respect to each of the Uncertificated REMIC I Regular Interests, other than the Uncertificated REMIC I Regular Interests Z, the per annum rate specified in the definition of Uncertificated REMIC I Regular Interests. With respect to each Uncertificated REMIC I Regular Interest Z and each Uncertificated REMIC II Regular Interest Z, the Pool Strip Rate for the related Mortgage Loan. Uncertificated Principal Balance: With respect to each Uncertificated REMIC I Regular Interest, as defined in the definition of Uncertificated REMIC I Regular Interest. Uncertificated REMIC I Regular Interests: The Uncertificated REMIC I Regular Interests Z together with the interests identified in the table below, each representing an undivided beneficial ownership interest in REMIC I, and having the following characteristics: 1. The principal balance from time to time of each Uncertificated REMIC I Regular Interest identified in the table below shall be the amount identified as the Initial Principal Balance thereof in such table, minus the sum of (x) the aggregate of all amounts previously deemed distributed with respect to such interest and applied to reduce the Uncertificated Principal Balance thereof pursuant to Section 10.04(a)(ii) and (y) the aggregate of all reductions in Certificate Principal Balance deemed to have occurred in connection with Realized Losses that were previously deemed allocated to the Uncertificated Principal Balance of such Uncertificated REMIC I Regular Interest pursuant to Section 10.04(d), which equals the aggregate principal balance of the Classes of Certificates identified as related to such Uncertificated REMIC I Regular Interest in such table. 2. The Uncertificated Pass-Through Rate for each Uncertificated REMIC I Regular Interest identified in the table below shall be the per annum rate set forth in the Pass-Through Rate column of such table. 3. The Uncertificated REMIC I Distribution Amount for each REMIC I Regular Interest identified in the table below shall be, for any Distribution Date, the amount deemed distributed with respect to such Uncertificated REMIC I Regular Interest on such Distribution Date pursuant to the provisions of Section 10.04(a). 18
Uncertificated REMIC Related Classes of Pass-Through Rate Initial Principal I Regular Interest Certificates Balance U Class A-1, Class A-2 5.75% $148,000,000.00 V Class A-3 LIBOR + 0.50% $45,616,667.00 W Class A-4 23.0% - (LIBOR 13,883,333.00 multiplied by 3.28571429) X Class A-P 0.00% $902,809.40 Y Class A-5, Class A-6, Class 5.75% $561,741,333.00 A-7, Class A-8, Class R-II, Class M-1, Class M-2, Class M-3, Class B-1, Class B-2, Class B-3
Uncertificated REMIC I Regular Interests Z: Each of the 1,529 uncertificated partial undivided beneficial ownership interests in the Trust Fund, numbered sequentially from 1 to 1,529, each relating to the particular Mortgage Loan identified by such sequential number on the Mortgage Loan Schedule, each having no principal balance, and each bearing interest at the respective Pool Strip Rate on the Stated Principal Balance of the related Mortgage Loan. Uncertificated REMIC I Regular Interests Z Distribution Amount: With respect to any Distribution Date, the sum of the amounts deemed to be distributed on the Uncertificated REMIC I Regular Interests Z for such Distribution Date pursuant to Section 10.04(a). Uncertificated REMIC I Regular Interest Distribution Amounts: With respect to each Uncertificated REMIC I Regular Interest, other than the Uncertificated REMIC I Regular Interests Z, the amount specified as the Uncertificated REMIC I Regular Interest Distribution Amount with respect thereto in the definition of Uncertificated REMIC I Regular Interests. With respect to the Uncertificated REMIC I Regular Interests Z, the Uncertificated REMIC I Regular Interests Z Distribution Amount. Uncertificated REMIC II Regular Interests Z: Each of the 1,529 uncertificated partial undivided beneficial ownership interests in REMIC II numbered sequentially from 1 through 1,529 each relating to the identically numbered Uncertificated REMIC I Regular Interests Z, each having no principal balance and bearing interest at a rate equal to the related Pool Strip Rate on the Stated Principal Balance of the Mortgage Loan related to the identically numbered Uncertificated REMIC I Regular Interests Z, comprising such Uncertificated REMIC II Regular Interests Z's pro rata share of the amount distributed pursuant to Section 10.04(a). Uncertificated REMIC II Regular Interests Distribution Amount: With respect to any Distribution Date, the sum of the amounts deemed to be distributed on the Uncertificated REMIC I Regular Interests Z for such Distribution Date pursuant to Section 10.04(a). Underwriters: Citigroup Global Markets Inc. and Residential Funding Securities Corporation. 19 Section 1.02. Use of Words and Phrases. "Herein," "hereby," "hereunder," "hereof," "hereinbefore," "hereinafter" and other equivalent words refer to the Pooling and Servicing Agreement as a whole. All references herein to Articles, Sections or Subsections shall mean the corresponding Articles, Sections and Subsections in the Pooling and Servicing Agreement. The definitions set forth herein include both the singular and the plural. Section 1.03. Determination of LIBOR. LIBOR applicable to the calculation of the Pass-Through Rates on the Adjustable Rate Certificates for any Interest Accrual Period (other than the initial Interest Accrual Period) will be determined as described below: On each Distribution Date, LIBOR shall be established by the Trustee and, as to any Interest Accrual Period, will equal the rate for one month United States dollar deposits that appears on the Telerate Screen Page 3750 of the Moneyline Telerate Capital Markets Report as of 11:00 a.m., London time, on the second LIBOR Business Day prior to the first day of such Interest Accrual Period ("LIBOR Rate Adjustment Date"). "Telerate Screen Page 3750" means the display designated as page 3750 on the Telerate Service (or such other page as may replace page 3750 on that service for the purpose of displaying London interbank offered rates of major banks). If such rate does not appear on such page (or such other page as may replace that page on that service, or if such service is no longer offered, any other service for displaying LIBOR or comparable rates as may be selected by the Trustee after consultation with the Master Servicer), the rate will be the Reference Bank Rate. The "Reference Bank Rate" will be determined on the basis of the rates at which deposits in U.S. Dollars are offered by the reference banks (which shall be any three major banks that are engaged in transactions in the London interbank market, selected by the Trustee after consultation with the Master Servicer) as of 11:00 a.m., London time, on the day that is one LIBOR Business Day prior to the immediately preceding Distribution Date to prime banks in the London interbank market for a period of one month in amounts approximately equal to the aggregate Certificate Principal Balance of the Adjustable Rate Certificates then outstanding. The Trustee will request the principal London office of each of the reference banks to provide a quotation of its rate. If at least two such quotations are provided, the rate will be the arithmetic mean of the quotations rounded up to the next multiple of 1/16%. If on such date fewer than two quotations are provided as requested, the rate will be the arithmetic mean of the rates quoted by one or more major banks in New York City, selected by the Trustee after consultation with the Master Servicer, as of 11:00 a.m., New York City time, on such date for loans in U.S. Dollars to leading European banks for a period of one month in amounts approximately equal to the aggregate Certificate Principal Balance of the Adjustable Rate Certificates then outstanding. If no such quotations can be obtained, the rate will be LIBOR for the prior Distribution Date, or, in the case of the first LIBOR Rate Adjustment Date, 3.10% per annum; provided, however, if, under the priorities described above, LIBOR for a Distribution Date would be based on LIBOR for the previous Distribution Date for the third consecutive Distribution Date, the Trustee shall, after consultation with the Master Servicer, select an alternative comparable index (over which the Trustee has no control), used for determining one-month Eurodollar lending rates that is calculated and published (or otherwise made available) by an independent party. "LIBOR Business Day" means any day other than (i) a Saturday or a Sunday or (ii) a day on which banking institutions in the city of London, England are required or authorized by law to be closed. 20 The establishment of LIBOR by the Trustee on any LIBOR Rate Adjustment Date and the Master Servicer's subsequent calculation of the Pass-Through Rates applicable to each of the Adjustable Rate Certificates for the relevant Interest Accrual Period, in the absence of manifest error, will be final and binding. Promptly following each LIBOR Rate Adjustment Date the Trustee shall supply the Master Servicer with the results of its determination of LIBOR on such date. Furthermore, the Trustee will supply the Pass-Through Rates on each of the Adjustable Rate Certificates for the current and the immediately preceding Interest Accrual Period via the Trustee's internet website, which may be obtained by telephoning the Trustee at (800) 735-7777. 21 ARTICLE II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES Section 2.01. Conveyance of Mortgage Loans. (a) (See Section 2.01(a) of the Standard Terms). (b) (See Section 2.01(b) of the Standard Terms). (c) The Company may, in lieu of delivering the original of the documents set forth in Section 2.01(b)(I)(ii), (iii), (iv) and (v) and Section (b)(II)(ii), (iv), (vii), (ix) and (x) (or copies thereof as permitted by Section 2.01(b)) to the Trustee or the Custodian or Custodians, deliver such documents to the Master Servicer, and the Master Servicer shall hold such documents in trust for the use and benefit of all present and future Certificateholders until such time as is set forth in the next sentence. Within thirty Business Days following the earlier of (i) the receipt of the original of all of the documents or instruments set forth in Section 2.01(b)(I)(ii), (iii), (iv) and (v) and Section (b)(II)(ii), (iv), (vii), (ix) and (x) (or copies thereof as permitted by such Section) for any Mortgage Loan and (ii) a written request by the Trustee to deliver those documents with respect to any or all of the Mortgage Loans then being held by the Master Servicer, the Master Servicer shall deliver a complete set of such documents to the Trustee or the Custodian or Custodians that are the duly appointed agent or agents of the Trustee. The parties hereto agree that it is not intended that any Mortgage Loan be included in the Trust Fund that is either (i) a "High-Cost Home Loan" as defined in the New Jersey Home Ownership Act effective November 27, 2003, (ii) a "High-Cost Home Loan" as defined in the New Mexico Home Loan Protection Act effective January 1, 2004, (iii) a "High Cost Home Mortgage Loan" as defined in the Massachusetts Predatory Home Loan Practices Act effective November 7, 2004 or (iv) a "High-Cost Home Loan" as defined in the Indiana House Enrolled Act No. 1229, effective as of January 1, 2005. (d) (See Section 2.01(d) of the Standard Terms). (e) (See Section 2.01(e) of the Standard Terms). (f) (See Section 2.01(f) of the Standard Terms). (g) (See Section 2.01(g) of the Standard Terms). (h) (See Section 2.01(h) of the Standard Terms). 22 Section 2.02. Acceptance by Trustee. (See Section 2.02 of the Standard Terms) Section 2.03. Representations, Warranties and Covenants of the Master Servicer and the Company. (a) For representations, warranties and covenants of the Master Servicer, see Section 2.03(a) of the Standard Terms. (b) The Company hereby represents and warrants to the Trustee for the benefit of Certificateholders that as of the Closing Date (or, if otherwise specified below, as of the date so specified): (i) No Mortgage Loan is 30 or more days Delinquent in payment of principal and interest as of the Cut-off Date and no Mortgage Loan has been so Delinquent more than once in the 12-month period prior to the Cut-off Date; (ii) The information set forth in Exhibit One hereto with respect to each Mortgage Loan or the Mortgage Loans, as the case may be, is true and correct in all material respects at the date or dates respecting which such information is furnished; (iii) The Mortgage Loans are fully-amortizing (subject to interest only periods, if applicable), fixed-rate mortgage loans with level Monthly Payments due, with respect to a majority of the Mortgage Loans, on the first day of each month and terms to maturity at origination or modification of not more than 30 years; (iv) To the best of the Company's knowledge, except in the case of one Mortgage Loan representing approximately 0.1% of the aggregate principal balance of the Mortgage Loans, if a Mortgage Loan is secured by a Mortgaged Property with a Loan-to-Value Ratio at origination in excess of 80%, such Mortgage Loan is the subject of a Primary Insurance Policy that insures (a) at least 35% of the Stated Principal Balance of the Mortgage Loan at origination if the Loan-to-Value Ratio is between 100.00% and 95.01%, (b) at least 30% of the Stated Principal Balance of the Mortgage Loan at origination if the Loan-to-Value Ratio is between 95.00% and 90.01%, (c) at least 25% of such balance if the Loan-to-Value Ratio is between 90.00% and 85.01% and (d) at least 12% of such balance if the Loan-to-Value Ratio is between 85.00% and 80.01%. To the best of the Company's knowledge, each such Primary Insurance Policy is in full force and effect and the Trustee is entitled to the benefits thereunder; (v) The issuers of the Primary Insurance Policies are insurance companies whose claims-paying abilities are currently acceptable to each Rating Agency; (vi) No more than 0.7% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date are secured by Mortgaged Properties located in any one zip code area in New York and no more than 0.4% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date are secured by Mortgaged Properties located in any one zip code area outside New York; 23 (vii) The improvements upon the Mortgaged Properties are insured against loss by fire and other hazards as required by the Program Guide, including flood insurance if required under the National Flood Insurance Act of 1968, as amended. The Mortgage requires the Mortgagor to maintain such casualty insurance at the Mortgagor's expense, and on the Mortgagor's failure to do so, authorizes the holder of the Mortgage to obtain and maintain such insurance at the Mortgagor's expense and to seek reimbursement therefor from the Mortgagor; (viii) Immediately prior to the assignment of the Mortgage Loans to the Trustee, the Company had good title to, and was the sole owner of, each Mortgage Loan free and clear of any pledge, lien, encumbrance or security interest (other than rights to servicing and related compensation) and such assignment validly transfers ownership of the Mortgage Loans to the Trustee free and clear of any pledge, lien, encumbrance or security interest; (ix) Approximately 57.55% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a reduced loan documentation program, approximately 17.6% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a no-stated income program, and approximately 4.7% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a no income/no asset program; (x) Except with respect to approximately 22.10% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date, the Mortgagor represented in its loan application with respect to the related Mortgage Loan that the Mortgaged Property would be owner-occupied; (xi) None of the Mortgage Loans is a Buy-Down Mortgage Loan; (xii) Each Mortgage Loan constitutes a qualified mortgage under Section 860G(a)(3)(A) of the Code and Treasury Regulations Section 1.860G-2(a)(1), (2), (4), (5) and (6), without reliance on the provisions of Treasury Regulation Section 1.860G-2(a)(3) or Treasury Regulation Section 1.860G-2(f)(2) or any other provision that would allow a Mortgage Loan to be treated as a "qualified mortgage" notwithstanding its failure to meet the requirements of Section 860G(a)(3)(A) of the Code and Treasury Regulation Section 1.860G-2(a)(1), (2), (4), (5) and (6); (xiii) A policy of title insurance was effective as of the closing of each Mortgage Loan and is valid and binding and remains in full force and effect, unless the Mortgaged Properties are located in the State of Iowa and an attorney's certificate has been provided as described in the Program Guide; (xiv) None of the Mortgage Loans is a Cooperative Loan; with respect to a Mortgage Loan that is a Cooperative Loan, the Cooperative Stock that is pledged as security for the Mortgage Loan is held by a person as a tenant-stockholder (as defined in Section 216 of the Code) in a cooperative housing corporation (as defined in Section 216 of the Code); 24 (xv) With respect to each Mortgage Loan originated under a "streamlined" Mortgage Loan program (through which no new or updated appraisals of Mortgaged Properties are obtained in connection with the refinancing thereof), the related Seller has represented that either (a) the value of the related Mortgaged Property as of the date the Mortgage Loan was originated was not less than the appraised value of such property at the time of origination of the refinanced Mortgage Loan or (b) the Loan-to-Value Ratio of the Mortgage Loan as of the date of origination of the Mortgage Loan generally meets the Company's underwriting guidelines; (xvi) Interest on each Mortgage Loan is calculated on the basis of a 360-day year consisting of twelve 30-day months; (xvii) None of the Mortgage Loans contain in the related Mortgage File a Destroyed Mortgage Note; (xviii) None of the Mortgage Loans has been made to an International Borrower, and no such Mortgagor is a member of a foreign diplomatic mission with diplomatic rank; (xix) No Mortgage Loan provides for payments that are subject to reduction by withholding taxes levied by any foreign (non-United States) sovereign government; and (xx) None of the Mortgage Loans are Additional Collateral Loans and none of the Mortgage Loans are Pledged Asset Loans. It is understood and agreed that the representations and warranties set forth in this Section 2.03(b) shall survive delivery of the respective Mortgage Files to the Trustee or any Custodian. Upon discovery by any of the Company, the Master Servicer, the Trustee or any Custodian of a breach of any of the representations and warranties set forth in this Section 2.03(b) that materially and adversely affects the interests of the Certificateholders in any Mortgage Loan, the party discovering such breach shall give prompt written notice to the other parties (any Custodian being so obligated under a Custodial Agreement); provided, however, that in the event of a breach of the representation and warranty set forth in Section 2.03(b)(xii), the party discovering such breach shall give such notice within five days of discovery. Within 90 days of its discovery or its receipt of notice of breach, the Company shall either (i) cure such breach in all material respects or (ii) purchase such Mortgage Loan from the Trust Fund at the Purchase Price and in the manner set forth in Section 2.02; provided that the Company shall have the option to substitute a Qualified Substitute Mortgage Loan or Loans for such Mortgage Loan if such substitution occurs within two years following the Closing Date; provided that if the omission or defect would cause the Mortgage Loan to be other than a "qualified mortgage" as defined in Section 860G(a)(3) of the Code, any such cure or repurchase must occur within 90 days from the date such breach was discovered. Any such substitution shall be effected by the Company under the same terms and conditions as provided in 25 Section 2.04 for substitutions by Residential Funding. It is understood and agreed that the obligation of the Company to cure such breach or to so purchase or substitute for any Mortgage Loan as to which such a breach has occurred and is continuing shall constitute the sole remedy respecting such breach available to the Certificateholders or the Trustee on behalf of the Certificateholders. Notwithstanding the foregoing, the Company shall not be required to cure breaches or purchase or substitute for Mortgage Loans as provided in this Section 2.03(b) if the substance of the breach of a representation set forth above also constitutes fraud in the origination of the Mortgage Loan. Section 2.04. Representations and Warranties of Sellers. (See Section 2.04 of the Standard Terms) Section 2.05. Execution and Authentication of Certificates/Issuance of Certificates Evidencing Interests in REMIC I Certificates. The Trustee acknowledges the assignment to it of the Mortgage Loans and the delivery of the Mortgage Files to it, or any Custodian on its behalf, subject to any exceptions noted, together with the assignment to it of all other assets included in the Trust Fund and/or the applicable REMIC, receipt of which is hereby acknowledged. Concurrently with such delivery and in exchange therefor, the Trustee, pursuant to the written request of the Company executed by an officer of the Company, has executed and caused to be authenticated and delivered to or upon the order of the Company the Class R-I Certificates in authorized denominations which together with the Uncertificated REMIC I Regular Interests, evidence the beneficial interest in REMIC I. Section 2.06. Conveyance of Uncertificated REMIC I and REMIC II Regular Interests; Acceptance by the Trustee. The Company, as of the Closing Date, and concurrently with the execution and delivery hereof, does hereby assign without recourse all the right, title and interest of the Company in and to the Uncertificated REMIC I Regular Interests to the Trustee for the benefit of the Holders of each Class of Certificates (other than the Class R-I Certificates). The Trustee acknowledges receipt of the Uncertificated REMIC I Regular Interests and declares that it holds and will hold the same in trust for the exclusive use and benefit of all present and future Holders of each Class of Certificates (other than the Class R-I Certificates). The rights of the Holders of each Class of Certificates (other than the Class R-I Certificates) to receive distributions from the proceeds of REMIC II in respect of such Classes, and all ownership interests of the Holders of such Classes in such distributions, shall be as set forth in this Agreement. Section 2.07. Issuance of Certificates Evidencing Interest in REMIC II. The Trustee acknowledges the assignment to it of the Uncertificated REMIC I Regular Interests and, concurrently therewith and in exchange therefor, pursuant to the written request of the Company executed by an officer of the Company, the Trustee has executed and caused to be authenticated and delivered to or upon the order of the Company, all Classes of Certificates (other than the Class R-I Certificates) in authorized denominations, which evidence the beneficial interest in the entire REMIC II. Section 2.08. Purposes and Powers of the Trust. (See Section 2.08 of the Standard Terms). 26 ARTICLE III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS (SEE ARTICLE III OF THE STANDARD TERMS) 27 ARTICLE IV PAYMENTS TO CERTIFICATEHOLDERS Section 4.01. Certificate Account. (See Section 4.01 of the Standard Terms) Section 4.02. Distributions. (a) On each Distribution Date the Master Servicer on behalf of the Trustee (or the Paying Agent appointed by the Trustee) shall distribute to the Master Servicer, in the case of a distribution pursuant to Section 4.02(a)(iii) below, and to each Certificateholder of record on the next preceding Record Date (other than as provided in Section 9.01 of the Standard Terms respecting the final distribution) either in immediately available funds (by wire transfer or otherwise) to the account of such Certificateholder at a bank or other entity having appropriate facilities therefor, if such Certificateholder has so notified the Master Servicer or the Paying Agent, as the case may be, or, if such Certificateholder has not so notified the Master Servicer or the Paying Agent by the Record Date, by check mailed to such Certificateholder at the address of such Holder appearing in the Certificate Register such Certificateholder's share (which share (A) with respect to each Class of Certificates (other than any Subclass of the Class A-V Certificates), shall be based on the aggregate of the Percentage Interests represented by Certificates of the applicable Class held by such Holder or (B) with respect to any Subclass of the Class A-V Certificates, shall be equal to the amount (if any) distributed pursuant to Section 4.02(a)(i) below to each Holder of a Subclass thereof) of the following amounts, in the following order of priority (subject to the provisions of Section 4.02(b), (c) and (e) below), in each case to the extent of the Available Distribution Amount remaining: (i) to the Senior Certificates (other than the Class A-P Certificates), on a pro rata basis based on Accrued Certificate Interest payable on such Certificates with respect to such Distribution Date, Accrued Certificate Interest on such Classes of Certificates (or Subclasses, if any, with respect to the Class A-V Certificates) for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date except as provided in the last paragraph of this Section 4.02(a); and (ii) (X) to the Class A-P Certificates, the Class A-P Principal Distribution Amount (applied to reduce the Certificate Principal Balance of such Senior Certificates); and (Y) to the Senior Certificates (other than the Class A-P, Class A-2 and Class A-V Certificates), in the priorities and amounts set forth in Section 4.02(b) and (c), the sum of the following (applied to reduce the Certificate Principal Balances of such Senior Certificates, as applicable): (A) the Senior Percentage for such Distribution Date times the sum of the following: (1) the principal portion of each Monthly Payment due during the related Due Period on each Outstanding Mortgage Loan (other than the related Discount Fraction of the principal portion of such payment with respect 28 to a Discount Mortgage Loan), whether or not received on or prior to the related Determination Date, minus the principal portion of any Debt Service Reduction (other than the related Discount Fraction of the principal portion of such Debt Service Reductions with respect to each Discount Mortgage Loan) which together with other Bankruptcy Losses exceeds the Bankruptcy Amount; (2) the Stated Principal Balance of any Mortgage Loan repurchased during the preceding calendar month (or deemed to have been so repurchased in accordance with Section 3.07(b) of the Standard Terms) pursuant to Section 2.02, 2.03, 2.04 or 4.07 and the amount of any shortfall deposited in the Custodial Account in connection with the substitution of a Deleted Mortgage Loan pursuant to Section 2.03 or 2.04 during the preceding calendar month (other than the related Discount Fraction of such Stated Principal Balance or shortfall with respect to each Discount Mortgage Loan); and (3) the principal portion of all other unscheduled collections (other than Principal Prepayments in Full and Curtailments and amounts received in connection with a Cash Liquidation or REO Disposition of a Mortgage Loan described in Section 4.02(a)(ii)(Y)(B) of this Series Supplement, including without limitation Insurance Proceeds, Liquidation Proceeds and REO Proceeds), including Subsequent Recoveries, received during the preceding calendar month (or deemed to have been so received in accordance with Section 3.07(b) of the Standard Terms) to the extent applied by the Master Servicer as recoveries of principal of the related Mortgage Loan pursuant to Section 3.14 of the Standard Terms (other than the related Discount Fraction of the principal portion of such unscheduled collections, with respect to each Discount Mortgage Loan); (B) with respect to each Mortgage Loan for which a Cash Liquidation or a REO Disposition occurred during the preceding calendar month (or was deemed to have occurred during such period in accordance with Section 3.07(b) of the Standard Terms) and did not result in any Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses or Extraordinary Losses, an amount equal to the lesser of (a) the Senior Percentage for such Distribution Date times the Stated Principal Balance of such Mortgage Loan (other than the related Discount Fraction of such Stated Principal Balance, with respect to each Discount Mortgage Loan) and (b) the Senior Accelerated Distribution Percentage for such Distribution Date times the related unscheduled collections (including without limitation Insurance Proceeds, Liquidation Proceeds and REO Proceeds) to the extent applied by the Master Servicer as recoveries of principal of the related Mortgage Loan pursuant to Section 3.14 of the Standard Terms (in each case other than the portion of such unscheduled collections, with respect to a Discount Mortgage Loan, included in clause (C) of the definition of Class A-P Principal Distribution Amount); 29 (C) the Senior Accelerated Distribution Percentage for such Distribution Date times the aggregate of all Principal Prepayments in Full received in the related Prepayment Period and Curtailments received in the preceding calendar month (other than the related Discount Fraction of such Principal Prepayments in Full and Curtailments, with respect to each Discount Mortgage Loan); (D) any Excess Subordinate Principal Amount for such Distribution Date; and (E) any amounts described in subsection (ii)(Y), clauses (A), (B) and (C) of this Section 4.02(a), as determined for any previous Distribution Date, which remain unpaid after application of amounts previously distributed pursuant to this clause (E) to the extent that such amounts are not attributable to Realized Losses which have been allocated to the Subordinate Certificates; minus (F) the Capitalization Reimbursement Amount for such Distribution Date, other than the related Discount Fraction of any portion of that amount related to each Discount Mortgage Loan, multiplied by a fraction, the numerator of which is the Senior Principal Distribution Amount, without giving effect to this clause (F), and the denominator of which is the sum of the principal distribution amounts for all Classes of Certificates other than the Class A-P Certificates, without giving effect to any reductions for the Capitalization Reimbursement Amount; (iii) if the Certificate Principal Balances of the Subordinate Certificates have not been reduced to zero, to the Master Servicer or a Sub-Servicer, by remitting for deposit to the Custodial Account, to the extent of and in reimbursement for any Advances or Sub-Servicer Advances previously made with respect to any Mortgage Loan or REO Property which remain unreimbursed in whole or in part following the Cash Liquidation or REO Disposition of such Mortgage Loan or REO Property, minus any such Advances that were made with respect to delinquencies that ultimately constituted Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses or Extraordinary Losses; (iv) to the Holders of the Class M-1 Certificates, the Accrued Certificate Interest thereon for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date, except as provided below; (v) to the Holders of the Class M-1 Certificates, an amount equal to (x) the Subordinate Principal Distribution Amount for such Class of Certificates for such Distribution Date, minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates, to the extent the amounts available pursuant to clause (x) of Sections 4.02(a)(vii), (ix), (xi), (xiii), (xiv) and (xv) of this Series Supplement are insufficient therefor, applied in reduction of the Certificate Principal Balance of the Class M-1 Certificates; 30 (vi) to the Holders of the Class M-2 Certificates, the Accrued Certificate Interest thereon for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date, except as provided below; (vii) to the Holders of the Class M-2 Certificates, an amount equal to (x) the Subordinate Principal Distribution Amount for such Class of Certificates for such Distribution Date, minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates, to the extent the amounts available pursuant to clause (x) of Sections 4.02(a) (ix), (xi), (xiii), (xiv) and (xv) are insufficient therefor, applied in reduction of the Certificate Principal Balance of the Class M-2 Certificates; (viii) to the Holders of the Class M-3 Certificates, the Accrued Certificate Interest thereon for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date, except as provided below; (ix) to the Holders of the Class M-3 Certificates, an amount equal to (x) the Subordinate Principal Distribution Amount for such Class of Certificates for such Distribution Date minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates, to the extent the amounts available pursuant to clause (x) of Sections 4.02(a)(xi), (xiii), (xiv) and (xv) are insufficient therefor, applied in reduction of the Certificate Principal Balance of the Class M-3 Certificates; (x) to the Holders of the Class B-1 Certificates, the Accrued Certificate Interest thereon for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date, except as provided below; (xi) to the Holders of the Class B-1 Certificates, an amount equal to (x) the Subordinate Principal Distribution Amount for such Class of Certificates for such Distribution Date minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates, to the extent the amounts available pursuant to clause (x) of Sections 4.02(a)(xiii), (xiv) and (xv) are insufficient therefor, applied in reduction of the Certificate Principal Balance of the Class B-1 Certificates; (xii) to the Holders of the Class B-2 Certificates, the Accrued Certificate Interest thereon for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date, except as provided below; (xiii) to the Holders of the Class B-2 Certificates, an amount equal to (x) the Subordinate Principal Distribution Amount for such Class of Certificates for such Distribution Date minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates, to the extent the amounts available pursuant to clause (x) of Sections 4.02(a)(xiv) and (xv) are insufficient therefor, applied in reduction of the Certificate Principal Balance of the Class B-2 Certificates; 31 (xiv) to the Holders of the Class B-3 Certificates, an amount equal to (x) the Accrued Certificate Interest thereon for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date, except as provided below, minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates, to the extent the amounts available pursuant to clause (x) of Section 4.02(a)(xv) are insufficient therefor; (xv) to the Holders of the Class B-3 Certificates, an amount equal to (x) the Subordinate Principal Distribution Amount for such Class of Certificates for such Distribution Date minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates applied in reduction of the Certificate Principal Balance of the Class B-3 Certificates; (xvi) to the Senior Certificates, on a pro rata basis in accordance with their respective outstanding Certificate Principal Balances, the portion, if any, of the Available Distribution Amount remaining after the foregoing distributions, applied to reduce the Certificate Principal Balances of such Senior Certificates, but in no event more than the aggregate of the outstanding Certificate Principal Balances of each such Class of Senior Certificates, and thereafter, to each Class of Subordinate Certificates then outstanding beginning with such Class with the Highest Priority, any portion of the Available Distribution Amount remaining after the Senior Certificates have been retired, applied to reduce the Certificate Principal Balance of each such Class of Subordinate Certificates, but in no event more than the outstanding Certificate Principal Balance of each such Class of Subordinate Certificates; and (xvii) to the Class R-I Certificates, the balance, if any, of the Available Distribution Amount. Notwithstanding the foregoing, on any Distribution Date, with respect to the Class of Subordinate Certificates outstanding on such Distribution Date with the Lowest Priority, or in the event the Subordinate Certificates are no longer outstanding, the Senior Certificates, Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date will be distributable only to the extent that (1) a shortfall in the amounts available to pay Accrued Certificate Interest on any Class of Certificates results from an interest rate reduction in connection with a Servicing Modification, or (2) such unpaid Accrued Certificate Interest was attributable to interest shortfalls relating to the failure of the Master Servicer to make any required Advance, or the determination by the Master Servicer that any proposed Advance would be a Nonrecoverable Advance with respect to the related Mortgage Loan where such Mortgage Loan has not yet been the subject of a Cash Liquidation or REO Disposition or the related Liquidation Proceeds, Insurance Proceeds and REO Proceeds have not yet been distributed to the Certificateholders. (b) Distributions of principal on the Senior Certificates on each Distribution Date will be made as follows: 32 (i) an amount equal Class A-P Principal Distribution Amount shall be distributed to the Class A-P Certificates, until the Certificate Principal Balance thereof has been reduced to zero; (ii) the Senior Principal Distribution Amount shall be distributed in the following manner and priority: (A) first, concurrently to the Class R-I Certificates and Class R-II Certificates, on a pro rata basis in accordance with their respective Certificate Principal Balances, until the Certificate Principal Balances thereof have been reduced to zero; (B) second, any remaining amount concurrently to the Class A-3, Class A-4 and Class A-8 Certificates, on a pro rata basis in accordance with their respective Certificate Principal Balances, an aggregate amount up to $100, on each Distribution Date, until the Certificate Principal Balances thereof have been reduced to zero; (C) third, any remaining amount to the Lockout Certificates on a pro rata basis in accordance with their respective Certificate Principal Balances, until the Certificate Principal Balances of the Lockout Certificates have been reduced to zero, an amount equal to the Lockout Percentage of the Lockout Certificates' pro rata share (based on the aggregate Certificate Principal Balance thereof relative to the aggregate Certificate Principal Balance of all classes of Senior Certificates (other than the Class A-P Certificates and Class R Certificates)) of such remaining amount; (D) fourth, any remaining amount to the Class A-1 Certificates, an amount up to $2,000,000, on each Distribution Date, until the Certificate Principal Balance thereof has been reduced to zero; (E) fifth, any remaining amount concurrently to the Class A-3, Class A-4 and Class A-8 Certificates, on a pro rata basis in accordance with their respective Certificate Principal Balances, until the Certificate Principal Balances thereof have been reduced to zero; (F) sixth, any remaining amount to the Class A-1 Certificates until the Certificate Principal Balance thereof has been reduced to zero; (G) seventh, any remaining amount to the Class A-5 Certificates until the Certificate Principal Balance thereof has been reduced to zero; and (H) eighth, any remaining amount concurrently to the Class A-6 Certificates and Class A-7 Certificates, on a pro rata basis in accordance with their respective Certificate Principal Balances, until the Certificate Principal Balances thereof have been reduced to zero. (c) Notwithstanding Section 4.02(b), on or after the Credit Support Depletion Date, an amount equal to the Class A-P Principal Distribution Amount will be distributed to the Class A-P Certificates and then the Senior Principal Distribution Amount will be distributed to the remaining Senior Certificates (other than the Class A-P Certificates and the Class A-V Certificates) pro rata in accordance with their respective outstanding Certificate Principal Balances; provided, however, that until reduction of the Certificate Principal Balance of the Senior Support Certificates to zero, the aggregate amount distributable to the Super Senior Certificates and Senior Support Certificates in respect of the aggregate Accrued Certificate Interest thereon and in respect of their aggregate pro rata portion of the Senior Principal Distribution Amount will be distributed 33 among such Senior Certificates in the following priority: first, to the Super Senior Certificates, up to an amount equal to the Accrued Certificate Interest on the Super Senior Certificates; second, to the Super Senior Certificates, up to an amount equal to the Super Senior Optimal Principal Distribution Amount, in reduction of the Certificate Principal Balance thereof, until the Certificate Principal Balance thereof has been reduced to zero; third, to the Senior Support Certificates, up to an amount equal to the Accrued Certificate Interest thereon; and fourth, to the Senior Support Certificates, the remainder, until the Certificate Principal Balance thereof has been reduced to zero. (d) After the reduction of the Certificate Principal Balances of the Senior Certificates (other than the Class A-P Certificates) to zero but prior to the Credit Support Depletion Date, the Senior Certificates (other than the Class A-P Certificates) will be entitled to no further distributions of principal thereon and the Available Distribution Amount will be distributed solely to the holders of the Class A-P, Class A-V and Subordinate Certificates, in each case as described herein. (e) In addition to the foregoing distributions, with respect to any Subsequent Recoveries, the Master Servicer shall deposit such funds into the Custodial Account pursuant to Section 3.07(b)(iii) of the Standard Terms. If, after taking into account such Subsequent Recoveries, the amount of a Realized Loss is reduced, the amount of such Subsequent Recoveries will be applied to increase the Certificate Principal Balance of the Class of Subordinate Certificates with a Certificate Principal Balance greater than zero with the highest payment priority to which Realized Losses, other than Excess Bankruptcy Losses, Excess Fraud Losses, Excess Special Hazard Losses and Extraordinary Losses, have been allocated, but not by more than the amount of Realized Losses previously allocated to that Class of Certificates pursuant to Section 4.05. The amount of any remaining Subsequent Recoveries will be applied to increase from zero the Certificate Principal Balance of the Class of Certificates with the next lower payment priority, up to the amount of Realized Losses previously allocated to that Class of Certificates pursuant to Section 4.05. Any remaining Subsequent Recoveries will in turn be applied to increase from zero the Certificate Principal Balance of the Class of Certificates with the next lower payment priority up to the amount of Realized Losses previously allocated to that Class of Certificates pursuant to Section 4.05, and so on. Holders of such Certificates will not be entitled to any payment in respect of Accrued Certificate Interest on the amount of such increases for any Interest Accrual Period preceding the Interest Accrual Period that relates to the Distribution Date on which such increase occurs. Any such increases shall be applied to the Certificate Principal Balance of each Certificate of such Class in accordance with its respective Percentage Interest. (f) Each distribution with respect to a Book-Entry Certificate shall be paid to the Depository, as Holder thereof, and the Depository shall be solely responsible for crediting the amount of such distribution to the accounts of its Depository Participants in accordance with its normal procedures. Each Depository Participant shall be responsible for disbursing such distribution to 34 the Certificate Owners that it represents and to each indirect participating brokerage firm (a "brokerage firm") for which it acts as agent. Each brokerage firm shall be responsible for disbursing funds to the Certificate Owners that it represents. None of the Trustee, the Certificate Registrar, the Company or the Master Servicer shall have any responsibility therefor. (g) Except as otherwise provided in Section 9.01 of the Standard Terms, if the Master Servicer anticipates that a final distribution with respect to any Class of Certificates will be made on the next Distribution Date, the Master Servicer shall, no later than the Determination Date in the month of such final distribution, notify the Trustee and the Trustee shall, no later than two (2) Business Days after such Determination Date, mail on such date to each Holder of such Class of Certificates a notice to the effect that: (i) the Trustee anticipates that the final distribution with respect to such Class of Certificates will be made on such Distribution Date but only upon presentation and surrender of such Certificates at the office of the Trustee or as otherwise specified therein, and (ii) no interest shall accrue on such Certificates from and after the end of the related Interest Accrual Period. In the event that Certificateholders required to surrender their Certificates pursuant to Section 9.01(c) of the Standard Terms do not surrender their Certificates for final cancellation, the Trustee shall cause funds distributable with respect to such Certificates to be withdrawn from the Certificate Account and credited to a separate escrow account for the benefit of such Certificateholders as provided in Section 9.01(d) of the Standard Terms. Section 4.03. Statements to Certificateholders; Statements to the Rating Agencies; Exchange Act Reporting. (See Section 4.03 of the Standard Terms) Section 4.04. Distribution of Reports to the Trustee and the Company; Advances by the Master Servicer. (See Section 4.04 of the Standard Terms) Section 4.05. Allocation of Realized Losses. Prior to each Distribution Date, the Master Servicer shall determine the total amount of Realized Losses, if any, that resulted from any Cash Liquidation, Servicing Modification, Debt Service Reduction, Deficient Valuation or REO Disposition that occurred during the related Prepayment Period or, in the case of a Servicing Modification that constitutes a reduction of the interest rate on a Mortgage Loan, the amount of the reduction in the interest portion of the Monthly Payment due during the related Due Period. The amount of each Realized Loss shall be evidenced by an Officers' Certificate. All Realized Losses, other than Excess Special Hazard Losses, Extraordinary Losses, Excess Bankruptcy Losses or Excess Fraud Losses, shall be allocated as follows: first, to the Class B-3 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; second, to the Class B-2 Certificates until the Certificate Principal Balance thereof has been reduced to zero; third, to the Class B-1 Certificates until the Certificate Principal Balance thereof has been reduced to zero; fourth, to the Class M-3 Certificates until the Certificate Principal Balance thereof has been reduced to zero; fifth, to the Class M-2 Certificates until the Certificate Principal Balance thereof has been reduced to zero; sixth, to the Class M-1 Certificates until the Certificate Principal Balance thereof has been reduced to zero; and, thereafter, if any such Realized Loss is on a Discount Mortgage Loan, to the Class A-P Certificates in an amount equal to the related Discount Fraction of the principal portion of the Realized Loss until the Certificate Principal Balance of the Class A-P Certificates has been reduced to zero, and the remainder of such Realized Losses on the Discount Mortgage Loans and the entire amount of such Realized Losses on the Non-Discount Mortgage Loans shall be allocated among all Senior Certificates (other than the Class A-P Certificates) on a pro rata basis, as described below; provided, 35 however, that after the Credit Support Depletion Date, Realized Losses otherwise allocable to the Super Senior Certificates will be allocated to the Senior Support Certificates until the Certificate Principal Balance of the Senior Support Certificates has been reduced to zero. The principal portion of any Excess Special Hazard Losses, Excess Bankruptcy Losses, Excess Fraud Losses and Extraordinary Losses on the Discount Mortgage Loans shall be allocated to the Class A-P Certificates in an amount equal to the related Discount Fraction thereof and the remainder of the principal portion and the entire interest portion of such Realized Losses on the Discount Mortgage Loans and the entire principal and interest portion of such Realized Losses on Non-Discount Mortgage Loans will be allocated among the Senior Certificates (other than the Class A-P Certificates) and the Subordinate Certificates, on a pro rata basis, as described below ; provided, however, that such Realized Losses otherwise allocable to the Super Senior Certificates will be allocated to the Senior Support Certificates until the Certificate Principal Balance of the Senior Support Certificates is reduced to zero. As used herein, an allocation of a Realized Loss on a "pro rata basis" among two or more specified Classes of Certificates means an allocation on a pro rata basis, among the various Classes so specified, to each such Class of Certificates, on the basis of their then outstanding Certificate Principal Balances prior to giving effect to distributions to be made on such Distribution Date in the case of the principal portion of a Realized Loss or based on the Accrued Certificate Interest thereon payable on such Distribution Date (without regard to any Compensating Interest for such Distribution Date) in the case of an interest portion of a Realized Loss. Except as provided in the following sentence, any allocation of the principal portion of Realized Losses (other than Debt Service Reductions) to a Class of Certificates shall be made by reducing the Certificate Principal Balance thereof by the amount so allocated, which allocation shall be deemed to have occurred on such Distribution Date; provided that no such reduction shall reduce the aggregate Certificate Principal Balance of the Certificates below the aggregate Stated Principal Balance of the Mortgage Loans. Any allocation of the principal portion of Realized Losses (other than Debt Service Reductions) to the Subordinate Certificates then outstanding with the Lowest Priority shall be made by operation of the definition of "Certificate Principal Balance" and by operation of the provisions of Section 4.02(a). Allocations of the interest portions of Realized Losses (other than any interest rate reduction resulting from a Servicing Modification) shall be made in proportion to the amount of Accrued Certificate Interest and by operation of the definition of "Accrued Certificate Interest" and by operation of the provisions of Section 4.02(a). Allocations of the interest portion of a Realized Loss resulting from an interest rate reduction in connection with a Servicing Modification shall be made by operation of the provisions of Section 4.02(a). Allocations of the principal portion of Debt Service Reductions shall be made by operation of the provisions of Section 4.02(a). All Realized Losses and all other losses allocated to a Class of Certificates hereunder will be allocated among the Certificates of such Class in proportion to the Percentage Interests 36 evidenced thereby; provided that if any Subclasses of the Class A-V Certificates have been issued pursuant to Section 5.01(c) of the Standard Terms, such Realized Losses and other losses allocated to the Class A-V Certificates shall be allocated among such Subclasses in proportion to the respective amounts of Accrued Certificate Interest payable on such Distribution Date that would have resulted absent such reductions. Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property. (See Section 4.06 of the Standard Terms) Section 4.07. Optional Purchase of Defaulted Mortgage Loans. (See Section 4.07 of the Standard Terms) Section 4.08. Surety Bond. (See Section 4.08 of the Standard Terms) 37 ARTICLE V THE CERTIFICATES (SEE ARTICLE V OF THE STANDARD TERMS) 38 ARTICLE VI THE COMPANY AND THE MASTER SERVICER (SEE ARTICLE VI OF THE STANDARD TERMS) 39 ARTICLE VII DEFAULT (SEE ARTICLE VII OF THE STANDARD TERMS) 40 ARTICLE VIII CONCERNING THE TRUSTEE (SEE ARTICLE VIII OF THE STANDARD TERMS) 41 ARTICLE IX TERMINATION (SEE ARTICLE IX OF THE STANDARD TERMS) 42 ARTICLE X REMIC PROVISIONS Section 10.01. REMIC Administration. (See Section 10.01 of the Standard Terms) Section 10.02. Master Servicer; REMIC Administrator and Trustee Indemnification. (See Section 10.02 of the Standard Terms) Section 10.03. Designation of REMICs. The REMIC Administrator shall make an election to treat the entire segregated pool of assets described in the definition of Trust Fund, and subject to this Agreement (including the Mortgage Loans) as a REMIC ("REMIC I") and shall make an election to treat the pool of assets comprised of the Uncertificated REMIC I Regular Interests as a REMIC ("REMIC II") for federal income tax purposes. The Uncertificated REMIC I Regular Interests will be "regular interests" in REMIC I and the Class R-I Certificates will be the sole class of "residual interests" in REMIC I for purposes of the REMIC Provisions (as defined herein) under the federal income tax law. The Class A-1, Class A-2, Class A-3, Class A-4, Class A-5, Class A-6, Class A-7, Class A-8, Class A-P, Class M-1, Class M-2, Class M-3, Class B-1, Class B-2 and Class B-3 Certificates and the Uncertificated REMIC II Regular Interests Z, the rights in and to which will be represented by the Class A-V Certificates, will be "regular interests" in REMIC II, and the Class R-II Certificates will be the sole class of "residual interests" therein for purposes of the REMIC Provisions (as defined herein) under federal income tax law. On and after the date of issuance of any Subclass of Class A-V Certificates pursuant to Section 5.01(c) of the Standard Terms, any such Subclass will represent the Uncertificated REMIC II Regular Interest or Interests Z specified by the initial Holder of the Class A-V Certificates pursuant to said Section. Section 10.04. Distributions on the Uncertificated REMIC I and REMIC II Regular Interests. (a)On each Distribution Date the Trustee shall be deemed to distribute to itself, as the holder of the Uncertificated REMIC I Regular Interests, the Uncertificated REMIC I Regular Interest Distribution Amounts in the following order of priority to the extent of the Available Distribution Amount reduced by distributions made to the Class R-I Certificates pursuant to Section 4.02(a): (i) Uncertificated Accrued Interest on the Uncertificated REMIC I Regular Interests for such Distribution Date, plus any Uncertificated Accrued Interest thereon remaining unpaid from any previous Distribution Date; and (ii) In accordance with the priority set forth in Section 10.04(b), an amount equal to the sum of the amounts in respect of principal distributable on each Class of Certificates (other than the Class R-I Certificates) under Section 4.02(a), as allocated thereto pursuant to Section 4.02(b). 43 (b)The amount described in Section 10.04(a)(ii) shall be deemed distributed to (i) Uncertificated REMIC I Regular Interest T, (ii) Uncertificated REMIC I Regular Interest U, (iii) Uncertificated REMIC I Regular Interest V, (iv) Uncertificated REMIC I Regular Interest W, (v) Uncertificated REMIC I Regular Interest X and (vi) Uncertificated REMIC I Regular Interest Y with the amount to be distributed allocated among such interests in accordance with the priority assigned to each Related Class of Certificates (other than the Class R-I Certificates), respectively, under Section 4.02(b) until the Uncertificated Principal Balance of each such interest is reduced to zero. (c)The portion of the Uncertificated REMIC I Regular Interest Distribution Amounts described in Section 10.04(a)(ii) shall be deemed distributed by REMIC I to REMIC II in accordance with the priority assigned to the REMIC II Certificates relative to that assigned to the REMIC I Certificates under Section 4.02(b). (d)In determining from time to time the Uncertificated REMIC I Regular Interest Distribution Amounts and Uncertificated REMIC II Regular Interest Distribution Amounts: (i) Realized Losses allocated to the Class A-V Certificates under Section 4.05 shall be deemed allocated to the Uncertificated REMIC II Regular Interests Z pro-rata according to the respective amounts of Uncertificated Accrued Interest that would have accrued on such Uncertificated REMIC II Regular Interests Z for the Distribution Date for which such allocation is being made in the absence of such allocation; (ii) Realized Losses allocated to the Class A-1 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest T; (iii) Realized Losses allocated to the Class A-2 Certificates and Class A-3 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest U; (iv) Realized Losses allocated to the Class A-4 Certificates and Class A-5 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest V; (v) Realized Losses allocated to the Class A-6 Certificates Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest W; (vi) Realized Losses allocated to the Class A-P Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest X; (vii) Realized Losses allocated to the Class M-1, Class M-2, Class M-3, Class B-1, Class B-2, Class B-3 and Class R-II Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest Y; and (viii) Realized Losses allocated to the Uncertificated REMIC II Regular Interests Z under clause (i), above, shall be deemed allocated, in each case, to the related Uncertificated REMIC I Regular Interest Z. 44 (e)On each Distribution Date the Trustee shall be deemed to distribute from REMIC II, in the priority set forth in Sections 4.02(a) and (b), to the Holders of each Class of Certificates (other than the Class R-I Certificates) the amounts distributable thereon from the Uncertificated REMIC I Regular Interest Distribution Amounts deemed to have been received by REMIC II from REMIC I under this Section 10.04. The amounts deemed distributed hereunder with respect to the Class A-V Certificates shall be deemed to have been distributed in respect of the Uncertificated REMIC II Regular Interests Z in accordance with their respective Uncertificated REMIC II Regular Interest Distribution Amounts, as such Uncertificated REMIC II Regular Interests Z comprise the Class A-V Certificates. (f)Notwithstanding the deemed distributions on the Uncertificated REMIC I Regular Interests described in this Section 10.04, distributions of funds from the Certificate Account shall be made only in accordance with Section 4.02. Section 10.05. Compliance with Withholding Requirements. Notwithstanding any other provision of this Agreement, the Trustee or any Paying Agent, as applicable, shall comply with all federal withholding requirements respecting payments to Certificateholders, including interest or original issue discount payments or advances thereof that the Trustee or any Paying Agent, as applicable, reasonably believes are applicable under the Code. The consent of Certificateholders shall not be required for such withholding. In the event the Trustee or any Paying Agent, as applicable, does withhold any amount from interest or original issue discount payments or advances thereof to any Certificateholder pursuant to federal withholding requirements, the Trustee or any Paying Agent, as applicable, shall indicate the amount withheld to such Certificateholder pursuant to the terms of such requirements. 45 ARTICLE XI MISCELLANEOUS PROVISIONS Section 11.01. Amendment. (See Section 11.01 of the Standard Terms) Section 11.02. Recordation of Agreement; Counterparts. (See Section 11.02 of the Standard Terms) Section 11.03. Limitation on Rights of Certificateholders. (See Section 11.03 of the Standard Terms) Section 11.04. Governing Law. (See Section 11.04 of the Standard Terms) Section 11.05. Notices. All demands and notices hereunder shall be in writing and shall be deemed to have been duly given if personally delivered at or mailed by registered mail, postage prepaid (except for notices to the Trustee which shall be deemed to have been duly given only when received), to the appropriate address for each recipient listed in the table below or, in each case, such other address as may hereafter be furnished in writing to the Master Servicer, the Trustee and the Company, as applicable:
RECIPIENT ADDRESS Company 8400 Normandale Lake Boulevard Suite 250, Minneapolis, Minnesota 55437, Attention: President Master Servicer 2255 N. Ontario Street, Suite 400 Burbank, California 91504-2130, Attention: Managing Director/Master Servicing Trustee Corporate Trust Office 1761 East St. Andrew Place Santa Ana, California 92705-4934, Attention: Residential Accredit Loans, Inc. Series 2004-QS6 The Trustee designates its offices located at c/o DTC Transfer Services, 55 Water Street, Jeanette Street Park Entrance, New York, New York 10041, for the purposes of Section 8.12 of the Standard Terms Fitch Ratings One State Street Plaza New York, New York 10004 Moody's Investors Service, Inc. 99 Church Street, 4th floor New York, New York 10004
Any notice required or permitted to be mailed to a Certificateholder shall be given by first class mail, postage prepaid, at the address of such holder as shown in the Certificate Register. Any notice so mailed within the time prescribed in this Agreement shall be conclusively presumed to have been duly given, whether or not the Certificateholder receives such notice. Section 11.06. Required Notices to Rating Agency and Subservicer. (See Section 11.06 of the Standard Terms) Section 11.07. Severability of Provisions. (See Section 11.07 of the Standard Terms) Section 11.08. Supplemental Provisions for Resecuritization. (See Section 11.08 of the Standard Terms) Section 11.09. Allocation of Voting Rights. 97.0% of all Voting Rights will be allocated among all Holders of the Certificates, other than the Interest Only Certificates and Class R Certificates, in proportion to the outstanding Certificate Principal Balances of their respective Certificates; 1.0% of all Voting Rights will be allocated among the Holders of the Class A-2 Certificates, in accordance with their respective Percentage Interests; 1% of all Voting Rights shall be allocated among the Holders of the Class A-V Certificates, in accordance with their respective Percentage Interests; 0.5% of all Voting Rights shall be allocated among the Holders of the Class R-I Certificates, in accordance with their respective Percentage Interests; and 0.5% of all Voting Rights shall be allocated among the Holders of the Class R-II Certificates, in accordance with their respective Percentage Interests. Section 11.10. No Petition. The Depositor, Master Servicer and the Trustee, by entering into this Agreement, and each Certificateholder, by accepting a Certificate, hereby covenant and agree that they will not at any time institute against the Trust Fund, or join in any institution against the Trust Fund of, any bankruptcy proceedings under any United States federal or state bankruptcy or similar law in connection with any obligation with respect to the Certificates or this Agreement. IN WITNESS WHEREOF, the Company, the Master Servicer and the Trustee have caused their names to be signed hereto by their respective officers thereunto duly authorized and their respective seals, duly attested, to be hereunto affixed, all as of the day and year first above written. RESIDENTIAL ACCREDIT LOANS, INC. [Seal] By: /s/ Heather Anderson Name: Heather Anderson Title: Vice President Attest: __/s/ Benita Bjorgo____ Name: Benita Bjorgo Title: Vice President RESIDENTIAL FUNDING CORPORATION [Seal] By: /s/ Benita Bjorgo Name: Benita Bjorgo Title: Associate Attest:_/s/ Heather Anderson Name: Heather Anderson Title: Associate DEUTSCHE BANK TRUST COMPANY AMERICAS, as Trustee [Seal] By: /s/ Brent Hoyler Name: Brent Hoyler Title: Associate By: /s/ Nicholas Gisler Name: Nicholas Gisler Title: Associate Attest:_/s/ Valerie Delgado Name: Valerie Delgado Title: Assistant Vice President STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 27th day of May, 2005 before me, a notary public in and for said State, personally appeared Heather Anderson, known to me to be a Vice President of Residential Accredit Loans, Inc., one of the corporations that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation, and acknowledged to me that such corporation executed the within instrument. IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written. /s/ Amy Sue Olson Notary Public [Notarial Seal] STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 27th day of May, 2005 before me, a notary public in and for said State, personally appeared Benita Bjorgo, known to me to be a(n) Associate of Residential Funding Corporation, one of the corporations that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation, and acknowledged to me that such corporation executed the within instrument. IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written. /s/ Amy Sue Olson Notary Public [Notarial Seal] STATE OF CALIFORNIA ) ) ss.: COUNTY OF ORANGE ) On the 27th day of May, 2005 before me, a notary public in and for said State, personally appeared Brent Hoyler, known to me to be a(n) Associate of Deutsche Bank Trust Company Americas, the New York banking corporation that executed the within instrument, and also known to me to be the person who executed it on behalf of said banking corporation and acknowledged to me that such banking corporation executed the within instrument. IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written. /s/ Amy Lynn Stoddard Notary Public [Notarial Seal] STATE OF CALIFORNIA ) ) ss.: COUNTY OF ORANGE ) On the 27th day of May, 2005 before me, a notary public in and for said State, personally appeared Nicholas Gisler, known to me to be a(n) Associate of Deutsche Bank Trust Company Americas, the New York banking corporation that executed the within instrument, and also known to me to be the person who executed it on behalf of said banking corporation and acknowledged to me that such banking corporation executed the within instrument. IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written. /s/ Amy Lynn Stoddard Notary Public [Notarial Seal] EXHIBIT ONE MORTGAGE LOAN SCHEDULE Fixed Rate Loan Loan Number S/S Code Payment Type Original Bal Loan Feature Orig Term Principal Bal # of Units Orig Rate Original PI LTV Net Curr Current PI City State Zip Loan Purp Note Date MI Co Code Servicer Loan # Prop Type First Pay Date MI Coverage Seller Loan # Occup Code Maturity Date Investor Loan # 8295811 W53/G02 F 139,350.00 ZZ 360 134,994.66 1 6.5000 880.79 67 6.2500 880.79 ELLENWOOD GA 30294 2 09/24/02 00 0435280987 05 11/01/02 0.0000 1304001268 O 10/01/32 0 9585231 F09/G02 F 136,350.00 ZZ 360 135,216.33 2 6.5000 861.82 90 6.2500 861.82 ROUND ROCK TX 78664 1 07/28/04 12 0438439499 05 09/01/04 25.0000 4000119241 O 08/01/34 0 9613347 168/168 F 130,150.00 ZZ 360 129,408.31 4 7.1250 876.85 95 6.8750 876.85 RENSSELAER NY 12144 1 09/24/04 96 CD9900 05 11/01/04 0.0000 CD9900 O 10/01/34 0 9628952 286/286 F 231,300.00 ZZ 360 230,191.15 1 6.2500 1424.16 90 6.0000 1424.16 PALATINE IL 60074 1 11/29/04 10 0003677314 05 01/01/05 25.0000 0003677314 N 12/01/34 0 9629224 286/286 F 53,500.00 ZZ 360 53,176.43 1 6.0000 320.76 67 5.7500 320.76 ROSE HILL KS 67133 2 10/22/04 00 0003800065 05 12/01/04 0.0000 0003800065 N 11/01/34 0 9629250 286/286 F 144,000.00 ZZ 360 143,475.03 1 6.5000 910.18 90 6.2500 910.18 SAN BERNARDINOCA 92411 1 12/03/04 12 0003807819 05 02/01/05 25.0000 0003807819 N 01/01/35 0 9633758 286/286 F 144,800.00 ZZ 360 144,265.43 1 6.7500 939.18 80 6.5000 939.18 DIMONDALE MI 48821 5 01/10/05 00 0003804042 05 03/01/05 0.0000 0003804042 O 02/01/35 0 9633814 286/286 F 100,000.00 ZZ 360 99,743.41 1 6.8750 656.93 58 6.6250 656.93 INDEPENDENCE MO 64055 1 01/12/05 00 0003816883 05 03/01/05 0.0000 0003816883 O 02/01/35 0 9634006 286/286 F 266,000.00 ZZ 360 265,373.71 2 7.2500 1814.59 80 7.0000 1814.59 JERSEY CITY NJ 07307 2 01/07/05 00 0003537821 05 03/01/05 0.0000 0003537821 O 02/01/35 0 9634022 286/286 F 101,920.00 ZZ 360 101,280.70 1 6.7500 661.06 80 6.5000 661.06 NEW ALBANY IN 47150 1 09/30/04 00 0003641402 05 11/01/04 0.0000 0003641402 O 10/01/34 0 9634078 286/286 F 95,242.00 ZZ 360 95,000.56 1 6.8750 625.68 75 6.6250 625.68 HOMESTEAD FL 33035 1 01/12/05 00 0003747621 03 03/01/05 0.0000 0003747621 O 02/01/35 0 9634114 286/286 F 112,800.00 ZZ 360 112,426.39 1 7.0000 750.47 80 6.7500 750.47 RALEIGH NC 27604 2 12/30/04 00 0003770469 05 02/01/05 0.0000 0003770469 O 01/01/35 0 9635540 286/286 F 97,650.00 ZZ 360 97,383.72 1 6.5000 617.22 80 6.2500 617.22 PARIS IL 61944 1 01/21/05 00 0003365383 05 03/01/05 0.0000 0003365383 O 02/01/35 0 9635598 286/286 F 107,336.00 ZZ 360 106,832.19 1 6.3750 669.64 80 6.1250 669.64 ALBUQUERQUE NM 87114 1 12/03/04 00 0003731623 03 02/01/05 0.0000 0003731623 O 01/01/35 0 9635704 286/286 F 119,840.00 ZZ 360 119,403.08 1 6.5000 757.48 80 6.2500 757.48 CARROLLTON TX 75007 1 12/06/04 00 0003778020 03 02/01/05 0.0000 0003778020 O 01/01/35 0 9635738 Y21/G02 F 147,000.00 ZZ 360 146,008.21 1 6.2500 905.11 69 6.0000 905.11 PLANT CITY FL 33563 2 09/13/04 00 0438893984 05 11/01/04 0.0000 204612616 O 10/01/34 0 9635752 Y21/G02 F 112,000.00 ZZ 360 111,679.50 1 6.2500 689.61 80 6.0000 689.61 WARREN MI 48091 1 01/06/05 00 0438895500 03 03/01/05 0.0000 204869439 O 02/01/35 0 9637993 286/286 F 111,120.00 ZZ 360 110,358.02 2 6.8750 729.98 80 6.6250 729.98 CALUMET CITY IL 60409 1 08/04/04 00 3449383 05 10/01/04 0.0000 3449383 O 09/01/34 0 9645251 T29/G02 F 116,000.00 ZZ 360 115,341.47 1 6.3750 723.69 80 6.1250 723.69 EAGAR AZ 85925 2 10/18/04 00 0438588824 05 12/01/04 0.0000 1602226 O 11/01/34 0 9654326 286/286 F 515,000.00 ZZ 360 513,662.26 3 6.7500 3340.29 37 6.5000 3340.29 BROOKLYN NY 11201 5 01/28/05 00 0003737625 05 03/01/05 0.0000 0003737625 O 02/01/35 0 9654358 286/286 F 250,000.00 ZZ 360 249,213.18 4 5.7500 1458.94 39 5.5000 1458.94 CHICAGO IL 60647 2 01/24/05 00 0003758769 05 03/01/05 0.0000 0003758769 N 02/01/35 0 9654380 286/286 F 176,600.00 ZZ 360 176,118.43 1 6.5000 1116.24 80 6.2500 1116.24 TRUTH OR CONSENM 87901 2 01/26/05 00 0003762809 05 03/01/05 0.0000 0003762809 O 02/01/35 0 9654390 286/286 F 99,000.00 ZZ 360 98,730.05 2 6.5000 625.75 90 6.2500 625.75 AUSTIN TX 78753 1 01/19/05 14 0003769600 05 03/01/05 25.0000 0003769600 O 02/01/35 0 9654396 286/286 F 212,500.00 ZZ 360 211,891.96 1 6.2500 1308.40 60 6.0000 1308.40 HELLERTOWN PA 18055 2 01/24/05 00 0003772044 05 03/01/05 0.0000 0003772044 O 02/01/35 0 9654408 286/286 F 102,000.00 ZZ 360 101,735.03 2 6.7500 661.58 80 6.5000 661.58 TRENTON NJ 08609 1 01/24/05 00 0003776672 05 03/01/05 0.0000 0003776672 N 02/01/35 0 9654418 286/286 F 172,380.00 ZZ 360 171,886.73 1 6.2500 1061.38 71 6.0000 1061.38 PECULIAR MO 64078 2 01/03/05 00 0003781866 03 03/01/05 0.0000 0003781866 O 02/01/35 0 9654760 286/286 F 356,000.00 T 360 355,272.30 1 5.8750 2105.88 80 5.6250 2105.88 KAILUA-KONA HI 96740 2 01/28/05 00 0003835092 05 04/01/05 0.0000 0003835092 O 03/01/35 0 9654772 286/286 F 206,400.00 ZZ 360 205,823.43 4 6.3750 1287.67 80 6.1250 1287.67 MONTGOMERY AL 36116 1 01/31/05 00 0003835421 05 03/01/05 0.0000 0003835421 N 02/01/35 0 9654794 286/286 F 124,000.00 ZZ 360 123,645.18 1 6.2500 763.49 86 6.0000 763.49 LOS LUNAS NM 87031 2 01/25/05 10 0003835884 05 03/01/05 25.0000 0003835884 O 02/01/35 0 9654852 286/286 F 496,500.00 ZZ 360 495,075.29 4 6.2500 3057.04 75 6.0000 3057.04 NEW ORLEANS LA 70118 1 01/31/05 00 0003841812 05 03/01/05 0.0000 0003841812 N 02/01/35 0 9654870 286/286 F 326,250.00 ZZ 360 325,658.52 2 6.5000 2062.13 75 6.2500 2062.13 CHICAGO IL 60639 2 01/28/05 00 0003843879 05 04/01/05 0.0000 0003843879 O 03/01/35 0 9655588 286/286 F 229,250.00 ZZ 360 228,594.01 1 6.2500 1411.54 80 6.0000 1411.54 VIRGINIA BEACHVA 23452 1 01/28/05 00 0002911754 05 03/01/05 0.0000 0002911754 O 02/01/35 0 9655626 286/286 F 185,400.00 ZZ 360 185,079.84 4 6.7500 1202.51 90 6.5000 1202.51 LIBERTY NY 12754 1 02/07/05 11 0003670779 05 04/01/05 25.0000 0003670779 N 03/01/35 0 9655628 286/286 F 328,000.00 ZZ 360 326,062.61 1 6.1250 1992.97 80 5.8750 1992.97 TAYLORS FALLS MN 55084 2 10/27/04 00 0003672774 05 12/01/04 0.0000 0003672774 O 11/01/34 0 9655636 286/286 F 123,200.00 ZZ 360 122,879.96 1 6.7500 799.08 80 6.5000 799.08 GALVESTON TX 77550 2 01/24/05 00 0003704461 05 03/01/05 0.0000 0003704461 O 02/01/35 0 9655640 286/286 F 100,000.00 ZZ 360 99,814.27 1 6.3750 623.87 65 6.1250 623.87 TIPP CITY OH 45371 1 02/09/05 00 0003711320 01 04/01/05 0.0000 0003711320 O 03/01/35 0 9655658 286/286 F 323,473.00 ZZ 360 322,966.79 1 7.2500 2206.66 80 7.0000 2206.66 SPARKS NV 89436 1 02/01/05 00 0003744544 03 04/01/05 0.0000 0003744544 O 03/01/35 0 9655660 286/286 F 127,600.00 ZZ 360 127,234.87 1 6.2500 785.66 33 6.0000 785.66 LAS VEGAS NV 89108 2 01/18/05 00 0003744699 05 03/01/05 0.0000 0003744699 O 02/01/35 0 9655666 286/286 F 108,000.00 ZZ 360 107,745.69 4 7.2500 736.76 80 7.0000 736.76 SCRANTON PA 18510 1 01/31/05 00 0003752308 05 03/01/05 0.0000 0003752308 N 02/01/35 0 9655690 286/286 F 108,000.00 ZZ 360 107,804.19 1 6.5000 682.64 72 6.2500 682.64 CASSTOWN OH 45312 5 02/03/05 00 0003791035 05 04/01/05 0.0000 0003791035 O 03/01/35 0 9655704 286/286 F 100,000.00 ZZ 360 99,752.63 1 7.0000 665.31 42 6.7500 665.31 EAST BRIDGEWATMA 02333 1 01/31/05 00 0003793908 01 03/01/05 0.0000 0003793908 O 02/01/35 0 9655716 286/286 F 121,500.00 ZZ 360 121,241.05 4 7.7500 870.45 90 7.5000 870.45 NORFOLK VA 23509 1 01/24/05 11 0003797960 05 03/01/05 25.0000 0003797960 N 02/01/35 0 9655722 286/286 F 114,000.00 T 360 113,817.13 1 7.1250 768.04 55 6.8750 768.04 ASHLAND VA 23005 2 02/08/05 00 0003798482 05 04/01/05 0.0000 0003798482 O 03/01/35 0 9655728 286/286 F 132,000.00 ZZ 360 131,777.56 2 6.8750 867.15 79 6.6250 867.15 ORLANDO FL 32807 2 02/01/05 00 0003798893 05 04/01/05 0.0000 0003798893 O 03/01/35 0 9655740 286/286 F 150,000.00 ZZ 360 149,753.36 1 7.0000 997.96 55 6.7500 997.96 WOODINVILLE WA 98072 1 02/08/05 00 0003802304 05 04/01/05 0.0000 0003802304 O 03/01/35 0 9655744 286/286 F 129,500.00 ZZ 360 129,129.44 1 6.2500 797.36 79 6.0000 797.36 PHOENIX AZ 85043 2 01/24/05 00 0003803688 03 03/01/05 0.0000 0003803688 N 02/01/35 0 9655748 286/286 F 130,000.00 ZZ 360 129,670.47 1 6.8750 854.01 73 6.6250 854.01 ROYERSFORD PA 19468 1 01/31/05 00 0003804310 05 03/01/05 0.0000 0003804310 O 02/01/35 0 9655752 286/286 F 101,490.00 ZZ 360 101,154.42 1 6.5000 641.49 64 6.2500 641.49 AUSTIN TX 78757 2 01/11/05 00 0003805838 05 03/01/05 0.0000 0003805838 O 02/01/35 0 9655754 286/286 F 175,400.00 ZZ 360 174,972.18 3 7.1250 1181.71 90 6.8750 1181.71 KANSAS CITY MO 64123 1 01/25/05 12 0003806364 05 03/01/05 25.0000 0003806364 N 02/01/35 0 9655762 286/286 F 139,000.00 ZZ 360 138,620.97 1 6.5000 878.58 73 6.2500 878.58 SPRINGBORO OH 45066 1 01/28/05 00 0003807234 05 03/01/05 0.0000 0003807234 O 02/01/35 0 9655770 286/286 F 122,400.00 ZZ 360 122,066.22 1 6.5000 773.66 90 6.2500 773.66 CONROE TX 77385 1 01/03/05 10 0003810983 05 03/01/05 25.0000 0003810983 O 02/01/35 0 9655774 286/286 F 140,000.00 ZZ 360 139,620.39 1 7.1250 943.21 54 6.8750 943.21 SPARKS NV 89431 1 01/18/05 00 0003813247 05 03/01/05 0.0000 0003813247 O 02/01/35 0 9655800 286/286 F 172,000.00 ZZ 360 171,710.77 1 7.2500 1173.35 80 7.0000 1173.35 MARTINSVILLE IN 46151 1 02/04/05 00 0003819526 05 04/01/05 0.0000 0003819526 O 03/01/35 0 9655824 286/286 F 136,000.00 ZZ 360 135,629.14 3 6.5000 859.62 80 6.2500 859.62 ADAMS MA 01220 2 01/26/05 00 0003825450 05 03/01/05 0.0000 0003825450 O 02/01/35 0 9655828 286/286 F 100,000.00 ZZ 360 99,843.51 2 7.2500 682.18 80 7.0000 682.18 BEDFORD VA 24523 1 02/09/05 00 0003825898 05 04/01/05 0.0000 0003825898 O 03/01/35 0 9655836 286/286 F 101,400.00 ZZ 360 101,149.19 1 7.0000 674.62 60 6.7500 674.62 CARMEL IN 46033 1 02/01/05 00 0003828003 05 03/01/05 0.0000 0003828003 O 02/01/35 0 9655864 286/286 F 98,000.00 ZZ 360 97,732.76 2 6.5000 619.43 80 6.2500 619.43 POTTSTOWN PA 19464 1 01/31/05 00 0003834199 05 03/01/05 0.0000 0003834199 O 02/01/35 0 9655866 286/286 F 92,400.00 ZZ 360 92,159.97 1 6.7500 599.31 80 6.5000 599.31 GREENSBORO NC 27408 1 01/27/05 00 0003834306 05 03/01/05 0.0000 0003834306 O 02/01/35 0 9655868 286/286 F 111,900.00 ZZ 360 111,516.99 1 6.3750 698.12 80 6.1250 698.12 VIRGINIA BEACHVA 23452 1 01/31/05 00 0003834383 07 03/01/05 0.0000 0003834383 N 02/01/35 0 9655872 286/286 F 104,800.00 ZZ 360 104,534.32 4 6.8750 688.47 80 6.6250 688.47 HAMPTON VA 23663 1 01/31/05 00 0003834576 05 03/01/05 0.0000 0003834576 N 02/01/35 0 9655876 286/286 F 268,000.00 ZZ 360 267,590.89 1 7.3750 1851.01 80 7.1250 1851.01 SILVER SPRING MD 20901 1 02/08/05 00 0003834752 05 04/01/05 0.0000 0003834752 O 03/01/35 0 9655892 286/286 F 104,000.00 ZZ 360 103,729.84 1 6.7500 674.55 80 6.5000 674.55 ARLINGTON TX 76018 1 01/19/05 00 0003837387 03 03/01/05 0.0000 0003837387 O 02/01/35 0 9655906 286/286 F 175,500.00 ZZ 360 175,007.18 2 7.0000 1167.61 90 6.7500 1167.61 CENTRALIA WA 98531 1 01/19/05 10 0003838275 05 03/01/05 25.0000 0003838275 N 02/01/35 0 9655910 286/286 F 115,000.00 ZZ 360 114,806.21 1 6.8750 755.47 58 6.6250 755.47 TALL TIMBERS MD 20690 1 02/09/05 00 0003839011 05 04/01/05 0.0000 0003839011 O 03/01/35 0 9655926 286/286 F 166,000.00 ZZ 360 165,691.68 1 6.3750 1035.63 80 6.1250 1035.63 RIO RANCHO NM 87124 2 02/04/05 00 0003842489 05 04/01/05 0.0000 0003842489 O 03/01/35 0 9655944 286/286 F 136,000.00 ZZ 360 135,629.14 1 6.5000 859.62 80 6.2500 859.62 NEW CASTLE DE 19720 1 02/02/05 00 0003845458 05 03/01/05 0.0000 0003845458 O 02/01/35 0 9655954 286/286 F 101,200.00 ZZ 360 100,943.44 4 6.8750 664.82 80 6.6250 664.82 CINCINNATI OH 45213 1 01/28/05 00 0003846401 05 03/01/05 0.0000 0003846401 N 02/01/35 0 9655960 286/286 F 196,000.00 ZZ 360 195,669.71 1 6.8750 1287.59 68 6.6250 1287.59 GREENBELT MD 20770 5 02/02/05 00 0003846676 09 04/01/05 0.0000 0003846676 O 03/01/35 0 9655964 286/286 F 184,000.00 ZZ 360 183,522.03 1 6.7500 1193.43 80 6.5000 1193.43 CAPE CORAL FL 33990 1 01/28/05 00 0003848303 05 03/01/05 0.0000 0003848303 O 02/01/35 0 9656004 286/286 F 186,400.00 ZZ 360 186,053.78 1 6.3750 1162.90 80 6.1250 1162.90 LAKEWOOD CO 80226 1 02/02/05 00 0003861646 05 04/01/05 0.0000 0003861646 O 03/01/35 0 9656012 286/286 F 114,300.00 ZZ 360 114,030.87 1 7.2500 779.73 80 7.0000 779.73 FORT GRATIOT MI 48059 1 01/31/05 00 0003867998 05 03/01/05 0.0000 0003867998 O 02/01/35 0 9656018 286/286 F 268,000.00 ZZ 360 267,559.34 1 7.0000 1783.02 80 6.7500 1783.02 FT MYERS FL 33913 1 02/09/05 00 0003884921 03 04/01/05 0.0000 0003884921 O 03/01/35 0 9656108 286/286 F 120,000.00 ZZ 360 119,672.76 2 6.5000 758.49 80 6.2500 758.49 MIAMI FL 33161 1 01/14/05 00 0003786828 05 03/01/05 0.0000 0003786828 N 02/01/35 0 9656114 286/286 F 182,000.00 ZZ 360 181,148.12 1 6.3750 1135.45 76 6.1250 1135.45 DES PLAINES IL 60016 2 11/16/04 00 0003787470 07 01/01/05 0.0000 0003787470 O 12/01/34 0 9656118 286/286 F 112,500.00 ZZ 360 112,185.73 1 6.3750 701.86 72 6.1250 701.86 CHESTERFIELD VA 23832 1 01/25/05 00 0003788128 05 03/01/05 0.0000 0003788128 O 02/01/35 0 9656122 286/286 F 192,000.00 ZZ 360 191,450.61 2 6.2500 1182.18 80 6.0000 1182.18 CHICAGO IL 60623 2 01/28/05 00 0003789344 05 03/01/05 0.0000 0003789344 N 02/01/35 0 9656154 286/286 F 144,500.00 ZZ 240 143,584.45 1 6.2500 1056.20 55 6.0000 1056.20 OSWEGO IL 60543 2 01/31/05 00 0003798504 03 03/01/05 0.0000 0003798504 O 02/01/25 0 9656156 286/286 F 132,000.00 ZZ 360 131,622.29 1 6.2500 812.75 80 6.0000 812.75 HOUSTON TX 77018 1 01/18/05 00 0003799543 05 03/01/05 0.0000 0003799543 N 02/01/35 0 9656210 286/286 F 223,250.00 ZZ 360 222,545.56 1 6.1250 1356.49 95 5.8750 1356.49 ELIZABETHTOWN PA 17022 1 01/18/05 12 0003809260 05 03/01/05 30.0000 0003809260 O 02/01/35 0 9656220 286/286 F 128,000.00 ZZ 360 127,633.57 1 6.2500 788.12 80 6.0000 788.12 LOUISVILLE KY 40213 2 01/25/05 00 0003810980 05 03/01/05 0.0000 0003810980 O 02/01/35 0 9656274 286/286 F 128,500.00 ZZ 360 128,140.94 1 6.5000 812.21 75 6.2500 812.21 FERNLEY NV 89408 1 01/21/05 00 0003819478 05 03/01/05 0.0000 0003819478 N 02/01/35 0 9656286 286/286 F 143,910.00 T 360 143,517.59 1 6.5000 909.61 90 6.2500 909.61 BRANSON MO 65616 1 01/06/05 11 0003820929 05 03/01/05 25.0000 0003820929 O 02/01/35 0 9656338 286/286 F 342,000.00 ZZ 360 341,133.08 1 6.8750 2246.70 44 6.6250 2246.70 TUALATIN OR 97062 2 01/20/05 00 0003824682 05 03/01/05 0.0000 0003824682 O 02/01/35 0 9656344 286/286 F 120,600.00 ZZ 360 120,271.14 2 6.5000 762.28 90 6.2500 762.28 AUSTIN TX 78758 1 01/19/05 01 0003825140 05 03/01/05 25.0000 0003825140 N 02/01/35 0 9656368 286/286 F 322,100.00 ZZ 360 321,242.71 1 6.6250 2062.45 57 6.3750 2062.45 LUCAS TX 75002 2 01/14/05 00 0003827100 03 03/01/05 0.0000 0003827100 O 02/01/35 0 9656384 286/286 F 129,350.00 T 360 128,997.27 1 6.5000 817.59 90 6.2500 817.59 DAVENPORT FL 33837 1 01/31/05 01 0003829340 03 03/01/05 25.0000 0003829340 O 02/01/35 0 9656462 286/286 F 96,080.00 ZZ 360 95,721.18 1 6.3750 599.42 80 6.1250 599.42 PORTLAND OR 97266 1 12/21/04 00 0003854926 05 02/01/05 0.0000 0003854926 N 01/01/35 0 9656486 286/286 F 173,800.00 ZZ 360 173,326.08 1 6.5000 1098.54 85 6.2500 1098.54 WHEELING IL 60090 2 01/07/05 10 0003855234 01 03/01/05 12.0000 0003855234 O 02/01/35 0 9656810 286/286 F 118,400.00 ZZ 360 118,174.73 1 6.2500 729.01 80 6.0000 729.01 WAKEMAN OH 44889 1 02/03/05 00 0003813442 05 04/01/05 0.0000 0003813442 O 03/01/35 0 9663095 E22/G02 F 109,250.00 ZZ 360 108,849.60 1 7.6250 773.26 95 7.3750 773.26 WEST VALLEY CIUT 84120 5 11/02/04 10 0421840034 05 01/01/05 30.0000 0421840034 O 12/01/34 0 9666309 E22/G02 F 118,150.00 ZZ 360 117,227.40 1 6.3750 737.10 85 6.1250 737.10 HARVEY LA 70058 2 11/05/04 01 0422316836 05 01/01/05 12.0000 0422316836 O 12/01/34 0 9669030 286/286 F 288,000.00 ZZ 360 287,407.84 2 6.1250 1749.92 80 5.8750 1749.92 BRONX NY 10458 2 02/18/05 00 0003376563 05 04/01/05 0.0000 0003376563 O 03/01/35 0 9669032 286/286 F 200,000.00 T 360 199,610.21 1 6.1250 1215.23 60 5.8750 1215.23 LAS VEGAS NV 89113 1 02/08/05 00 0003427375 03 04/01/05 0.0000 0003427375 O 03/01/35 0 9669034 286/286 F 182,240.00 ZZ 360 181,867.49 1 5.8750 1078.02 80 5.6250 1078.02 VIRGINIA BEACHVA 23462 1 02/18/05 00 0003522059 01 04/01/05 0.0000 0003522059 O 03/01/35 0 9669040 286/286 F 219,200.00 ZZ 360 218,222.26 1 6.6250 1403.57 79 6.3750 1403.57 OSHKOSH WI 54904 2 11/23/04 00 0003665366 05 01/01/05 0.0000 0003665366 O 12/01/34 0 9669046 286/286 F 150,300.00 ZZ 360 149,926.98 1 6.5000 950.00 90 6.2500 950.00 INDIANAPOLIS IN 46237 2 02/08/05 11 0003767356 05 04/01/05 25.0000 0003767356 O 03/01/35 0 9669048 286/286 F 172,000.00 ZZ 360 171,672.73 1 6.2500 1059.04 80 6.0000 1059.04 MANCHESTER GA 31816 5 02/07/05 00 0003786951 05 04/01/05 0.0000 0003786951 O 03/01/35 0 9669050 286/286 F 260,000.00 ZZ 360 259,539.86 1 6.6250 1664.81 60 6.3750 1664.81 UPPER MARLBOROMD 20774 2 02/10/05 00 0003792355 03 04/01/05 0.0000 0003792355 O 03/01/35 0 9669052 286/286 F 185,000.00 ZZ 360 184,612.77 1 5.7500 1079.61 79 5.5000 1079.61 MILFORD CT 06460 1 02/22/05 00 0003794695 05 04/01/05 0.0000 0003794695 O 03/01/35 0 9669054 286/286 F 266,000.00 T 360 265,505.95 1 6.3750 1659.50 80 6.1250 1659.50 PLYMOUTH WI 53073 1 02/17/05 00 0003800924 05 04/01/05 0.0000 0003800924 O 03/01/35 0 9669056 286/286 F 52,000.00 ZZ 360 51,907.97 2 6.6250 332.97 90 6.3750 332.97 JOHNSTOWN NY 12095 1 02/16/05 11 0003801021 05 04/01/05 25.0000 0003801021 N 03/01/35 0 9669058 286/286 F 116,000.00 ZZ 360 115,779.28 1 6.2500 714.24 80 6.0000 714.24 RICHLAND WA 99354 2 02/17/05 00 0003801121 05 04/01/05 0.0000 0003801121 O 03/01/35 0 9669060 286/286 F 513,700.00 ZZ 360 512,803.81 1 6.7500 3331.85 75 6.5000 3331.85 ASHBURN VA 20147 5 02/03/05 00 0003801882 03 04/01/05 0.0000 0003801882 O 03/01/35 0 9669064 286/286 F 226,000.00 ZZ 360 225,590.27 1 6.5000 1428.48 57 6.2500 1428.48 COMMERCE MI 48390 5 02/16/05 00 0003809673 05 04/01/05 0.0000 0003809673 O 03/01/35 0 9669066 286/286 F 207,000.00 ZZ 360 206,651.18 1 6.8750 1359.85 90 6.6250 1359.85 QUINCY MA 02169 1 02/24/05 11 0003809851 05 04/01/05 25.0000 0003809851 N 03/01/35 0 9669068 286/286 F 74,400.00 ZZ 360 74,258.43 2 6.2500 458.10 65 6.0000 458.10 KNOB NOSTER MO 65336 2 02/14/05 00 0003813842 05 04/01/05 0.0000 0003813842 N 03/01/35 0 9669072 286/286 F 80,200.00 ZZ 360 80,047.40 2 6.2500 493.81 70 6.0000 493.81 KNOB NOSTER MO 65336 2 02/14/05 00 0003815363 05 04/01/05 0.0000 0003815363 N 03/01/35 0 9669082 286/286 F 75,000.00 ZZ 360 74,857.29 2 6.2500 461.79 66 6.0000 461.79 KNOB NOSTER MO 65336 2 02/14/05 00 0003815463 05 04/01/05 0.0000 0003815463 N 03/01/35 0 9669106 286/286 F 139,500.00 ZZ 360 139,240.90 1 6.3750 870.30 85 6.1250 870.30 VIRGINIA BEACHVA 23455 1 02/25/05 11 0003817988 07 04/01/05 25.0000 0003817988 N 03/01/35 0 9669108 286/286 F 343,200.00 T 360 342,649.45 1 7.1250 2312.21 80 6.8750 2312.21 MIAMI BEACH FL 33139 1 02/22/05 00 0003818265 08 04/01/05 0.0000 0003818265 O 03/01/35 0 9669110 286/286 F 313,600.00 ZZ 360 313,017.54 1 6.3750 1956.46 79 6.1250 1956.46 ANN ARBOR MI 48103 5 02/09/05 00 0003822330 05 04/01/05 0.0000 0003822330 O 03/01/35 0 9669114 286/286 F 171,900.00 ZZ 360 171,595.82 1 6.6250 1100.70 80 6.3750 1100.70 WILMINGTON NC 28403 1 02/17/05 00 0003825396 05 04/01/05 0.0000 0003825396 O 03/01/35 0 9669116 286/286 F 76,200.00 ZZ 360 75,965.76 1 5.8750 450.76 63 5.6250 450.76 FARGO ND 58102 2 01/28/05 00 0003826078 05 03/01/05 0.0000 0003826078 N 02/01/35 0 9669120 286/286 F 400,000.00 ZZ 360 399,201.59 1 6.0000 2398.21 76 5.7500 2398.21 VIENNA VA 22180 5 02/04/05 00 0003827660 05 04/01/05 0.0000 0003827660 O 03/01/35 0 9669122 286/286 F 85,750.00 ZZ 360 85,582.88 1 6.1250 521.03 60 5.8750 521.03 ROANOKE VA 24018 1 02/22/05 00 0003829547 05 04/01/05 0.0000 0003829547 O 03/01/35 0 9669124 286/286 F 202,000.00 ZZ 360 201,675.96 1 7.1250 1360.92 69 6.8750 1360.92 YELM WA 98597 1 02/10/05 00 0003829625 05 04/01/05 0.0000 0003829625 O 03/01/35 0 9669130 286/286 F 300,000.00 ZZ 360 299,386.76 1 5.8750 1774.62 80 5.6250 1774.62 JASPER TN 37347 5 02/11/05 00 0003832641 05 04/01/05 0.0000 0003832641 O 03/01/35 0 9669132 286/286 F 102,400.00 ZZ 360 102,205.15 1 6.2500 630.50 80 6.0000 630.50 LAS VEGAS NV 89110 1 02/08/05 00 0003834212 05 04/01/05 0.0000 0003834212 O 03/01/35 0 9669134 286/286 F 118,800.00 ZZ 360 118,594.84 3 6.7500 770.54 80 6.5000 770.54 MOORHEAD MN 56560 1 02/16/05 00 0003835555 05 04/01/05 0.0000 0003835555 N 03/01/35 0 9669136 286/286 F 190,000.00 ZZ 360 189,456.31 1 6.2500 1169.87 64 6.0000 1169.87 LEAWOOD KS 66206 2 01/20/05 00 0003835718 03 03/01/05 0.0000 0003835718 O 02/01/35 0 9669138 286/286 F 193,126.00 ZZ 360 192,767.29 1 6.3750 1204.86 90 6.1250 1204.86 GREENACRES FL 33463 1 02/17/05 14 0003836474 05 04/01/05 25.0000 0003836474 O 03/01/35 0 9669140 286/286 F 408,000.00 ZZ 360 407,185.63 1 6.0000 2446.17 85 5.7500 2446.17 WESTAMPTON NJ 08060 2 02/08/05 12 0003837237 05 04/01/05 12.0000 0003837237 O 03/01/35 0 9669142 286/286 F 202,400.00 ZZ 360 202,075.32 2 7.1250 1363.61 80 6.8750 1363.61 PROVIDENCE RI 02905 1 02/17/05 00 0003837516 05 04/01/05 0.0000 0003837516 N 03/01/35 0 9669144 286/286 F 116,000.00 ZZ 360 115,713.94 1 6.0000 695.48 52 5.7500 695.48 ROCKY RIVER OH 44116 5 02/09/05 00 0003837757 05 04/01/05 0.0000 0003837757 O 03/01/35 0 9669146 286/286 F 36,801.00 ZZ 360 36,730.96 1 6.2500 226.60 90 6.0000 226.60 SPOKANE WA 99207 1 02/11/05 10 0003837813 05 04/01/05 25.0000 0003837813 N 03/01/35 0 9669148 286/286 F 175,000.00 ZZ 360 174,682.74 1 6.5000 1106.12 73 6.2500 1106.12 NEW MARKET MD 21774 5 02/07/05 00 0003839905 05 04/01/05 0.0000 0003839905 O 03/01/35 0 9669152 286/286 F 104,000.00 ZZ 360 103,841.23 1 7.3750 718.31 74 7.1250 718.31 LEAVENWORTH KS 66048 1 02/10/05 00 0003841486 05 04/01/05 0.0000 0003841486 O 03/01/35 0 9669154 286/286 F 308,750.00 ZZ 360 308,126.65 1 6.3750 1926.20 84 6.1250 1926.20 CHURCHTON MD 20733 2 02/16/05 11 0003841783 03 04/01/05 12.0000 0003841783 O 03/01/35 0 9669156 286/286 F 68,000.00 ZZ 360 67,893.58 1 7.2500 463.88 78 7.0000 463.88 NEWPORT NEWS VA 23608 2 02/10/05 00 0003842146 09 04/01/05 0.0000 0003842146 O 03/01/35 0 9669158 286/286 F 55,000.00 ZZ 360 54,902.67 1 6.6250 352.18 26 6.3750 352.18 LEXINGTON KY 40502 1 02/14/05 00 0003842317 05 04/01/05 0.0000 0003842317 O 03/01/35 0 9669166 286/286 F 46,144.00 ZZ 360 46,064.32 1 6.7500 299.29 80 6.5000 299.29 SOUTH BEND IN 46601 1 02/11/05 00 0003844264 05 04/01/05 0.0000 0003844264 O 03/01/35 0 9669168 286/286 F 157,000.00 ZZ 360 156,683.58 1 6.8750 1031.38 79 6.6250 1031.38 TORRINGTON CT 06790 2 02/16/05 00 0003845029 05 04/01/05 0.0000 0003845029 O 03/01/35 0 9669170 286/286 F 151,600.00 ZZ 360 151,311.55 1 6.2500 933.43 80 6.0000 933.43 MECHANICSVILLEVA 23111 1 02/23/05 00 0003846386 05 04/01/05 0.0000 0003846386 O 03/01/35 0 9669172 286/286 F 280,000.00 ZZ 360 279,467.26 1 6.2500 1724.01 80 6.0000 1724.01 JAMES ISLAND SC 29412 5 02/16/05 00 0003846487 05 04/01/05 0.0000 0003846487 N 03/01/35 0 9669174 286/286 F 46,400.00 ZZ 360 46,267.02 1 7.2500 316.53 80 7.0000 316.53 GREENVILLE MS 38703 5 02/11/05 00 0003846892 05 04/01/05 0.0000 0003846892 O 03/01/35 0 9669180 286/286 F 113,600.00 ZZ 360 113,398.98 1 6.6250 727.40 80 6.3750 727.40 WILMINGTON NC 28409 1 02/17/05 00 0003849557 05 04/01/05 0.0000 0003849557 O 03/01/35 0 9669182 286/286 F 125,000.00 ZZ 360 124,773.37 2 6.5000 790.09 76 6.2500 790.09 PALMYRA NJ 08065 5 02/17/05 00 0003851317 05 04/01/05 0.0000 0003851317 O 03/01/35 0 9669184 286/286 F 117,600.00 ZZ 360 117,401.83 1 6.8750 772.55 80 6.6250 772.55 SANDUSKY OH 44870 1 02/14/05 00 0003851403 05 04/01/05 0.0000 0003851403 O 03/01/35 0 9669186 286/286 F 158,850.00 ZZ 324 158,479.38 1 6.3750 1028.71 62 6.1250 1028.71 VIRGINIA BEACHVA 23454 5 02/17/05 00 0003851468 05 04/01/05 0.0000 0003851468 O 03/01/32 0 9669192 286/286 F 120,000.00 ZZ 360 119,672.76 1 6.5000 758.49 80 6.2500 758.49 DECATUR GA 30032 5 02/04/05 00 0003853255 05 03/01/05 0.0000 0003853255 N 02/01/35 0 9669194 286/286 F 300,000.00 ZZ 360 299,429.20 1 6.2500 1847.16 75 6.0000 1847.16 STOCKTON CA 95212 5 02/04/05 00 0003853944 05 04/01/05 0.0000 0003853944 O 03/01/35 0 9669196 286/286 F 37,000.00 ZZ 360 36,942.09 1 7.2500 252.41 79 7.0000 252.41 FARMVILLE VA 23901 1 02/11/05 00 0003854089 05 04/01/05 0.0000 0003854089 O 03/01/35 0 9669198 286/286 F 272,000.00 ZZ 360 270,990.54 1 5.6250 1565.79 80 5.3750 1565.79 COLORADO SPRINCO 80918 5 12/29/04 00 0003855158 05 03/01/05 0.0000 0003855158 O 02/01/35 0 9669200 286/286 F 326,700.00 ZZ 360 326,047.89 1 6.0000 1958.74 80 5.7500 1958.74 LEONARDTOWN MD 20650 1 02/11/05 00 0003856584 03 04/01/05 0.0000 0003856584 O 03/01/35 0 9669202 286/286 F 110,400.00 ZZ 360 110,194.94 1 6.3750 688.76 80 6.1250 688.76 DELAVAN IL 61734 1 02/16/05 00 0003857235 05 04/01/05 0.0000 0003857235 O 03/01/35 0 9669204 286/286 F 44,900.00 ZZ 360 44,812.56 1 6.8750 294.97 90 6.6250 294.97 YOUNGSTOWN OH 44509 1 02/17/05 12 0003857487 05 04/01/05 25.0000 0003857487 N 03/01/35 0 9669206 286/286 F 481,500.00 ZZ 360 480,583.88 1 6.2500 2964.68 78 6.0000 2964.68 SANTA ANA CA 92705 5 02/02/05 00 0003857979 05 04/01/05 0.0000 0003857979 O 03/01/35 0 9669208 286/286 F 157,250.00 ZZ 360 156,879.74 1 7.2500 1072.73 85 7.0000 1072.73 OWENS CROSS ROAL 35763 5 01/20/05 11 0003858131 05 03/01/05 12.0000 0003858131 O 02/01/35 0 9669210 286/286 F 109,600.00 ZZ 360 109,370.59 1 5.7500 639.60 80 5.5000 639.60 CEDAR PARK TX 78613 1 02/15/05 00 0003858164 05 04/01/05 0.0000 0003858164 O 03/01/35 0 9669212 286/286 F 104,250.00 ZZ 360 104,004.54 1 7.2500 711.17 75 7.0000 711.17 SPARTA TN 38583 2 01/25/05 00 0003858343 05 03/01/05 0.0000 0003858343 O 02/01/35 0 9669214 286/286 F 100,000.00 ZZ 360 99,800.38 1 6.0000 599.56 74 5.7500 599.56 CHESAPEAKE VA 23321 5 02/18/05 00 0003859922 05 04/01/05 0.0000 0003859922 N 03/01/35 0 9669216 286/286 F 73,800.00 ZZ 360 73,639.78 1 6.3750 460.42 80 6.1250 460.42 BLOOMINGTON IL 61704 1 02/24/05 00 0003860369 01 04/01/05 0.0000 0003860369 O 03/01/35 0 9669224 286/286 F 96,000.00 ZZ 360 95,808.38 1 6.0000 575.57 80 5.7500 575.57 SHREVEPORT LA 71118 5 02/09/05 00 0003861202 05 04/01/05 0.0000 0003861202 O 03/01/35 0 9669228 286/286 F 124,000.00 ZZ 360 123,758.34 1 6.1250 753.44 80 5.8750 753.44 KANSAS CITY MO 64110 5 02/11/05 00 0003863540 05 04/01/05 0.0000 0003863540 O 03/01/35 0 9669230 286/286 F 350,000.00 ZZ 360 349,410.21 1 6.8750 2299.26 68 6.6250 2299.26 WESTMINSTER MD 21157 1 02/17/05 00 0003863567 05 04/01/05 0.0000 0003863567 O 03/01/35 0 9669232 286/286 F 164,000.00 ZZ 360 163,695.39 1 6.3750 1023.15 80 6.1250 1023.15 WOODBRIDGE CA 95258 1 02/08/05 00 0003864246 05 04/01/05 0.0000 0003864246 N 03/01/35 0 9669234 286/286 F 51,750.00 ZZ 360 51,656.17 1 6.5000 327.10 75 6.2500 327.10 INDIANAPOLIS IN 46218 2 02/15/05 00 0003865429 05 04/01/05 0.0000 0003865429 N 03/01/35 0 9669236 286/286 F 112,000.00 ZZ 360 111,791.97 1 6.3750 698.74 80 6.1250 698.74 WHITEHOUSE OH 43571 1 02/18/05 00 0003866851 05 04/01/05 0.0000 0003866851 O 03/01/35 0 9669238 286/286 F 400,000.00 ZZ 360 399,309.26 1 6.7500 2594.40 80 6.5000 2594.40 ASHBURN VA 20147 1 02/11/05 00 0003866973 03 04/01/05 0.0000 0003866973 O 03/01/35 0 9669244 286/286 F 132,400.00 T 360 132,202.85 1 7.5000 925.77 80 7.2500 925.77 PALM COAST FL 32164 1 02/15/05 00 0003868645 05 04/01/05 0.0000 0003868645 O 03/01/35 0 9669246 286/286 F 217,600.00 ZZ 360 217,155.20 1 5.8750 1287.19 80 5.6250 1287.19 MIAMI FL 33189 1 02/16/05 00 0003869711 03 04/01/05 0.0000 0003869711 N 03/01/35 0 9669250 286/286 F 117,200.00 ZZ 360 116,987.51 1 6.5000 740.79 85 6.2500 740.79 HOMESTEAD FL 33030 1 02/22/05 11 0003870674 09 04/01/05 20.0000 0003870674 N 03/01/35 0 9669254 286/286 F 140,000.00 ZZ 360 139,734.06 1 6.3750 873.42 80 6.1250 873.42 LITITZ PA 17543 1 02/18/05 00 0003871520 03 04/01/05 0.0000 0003871520 N 03/01/35 0 9669256 286/286 F 127,900.00 ZZ 360 127,656.64 1 6.2500 787.51 80 6.0000 787.51 SHREVEPORT LA 71107 1 02/15/05 00 0003871575 05 04/01/05 0.0000 0003871575 O 03/01/35 0 9669258 286/286 F 341,000.00 ZZ 360 340,439.33 1 7.0000 2268.69 80 6.7500 2268.69 BAKERSFIELD CA 93312 2 02/03/05 00 0003872939 05 04/01/05 0.0000 0003872939 O 03/01/35 0 9669260 286/286 F 84,650.00 ZZ 360 84,507.34 1 6.8750 556.10 74 6.6250 556.10 CONYERS GA 30012 2 02/15/05 00 0003873352 05 04/01/05 0.0000 0003873352 N 03/01/35 0 9669262 286/286 F 100,500.00 ZZ 360 100,330.64 1 6.8750 660.22 67 6.6250 660.22 MIAMI FL 33127 5 02/10/05 00 0003873404 05 04/01/05 0.0000 0003873404 O 03/01/35 0 9669264 286/286 F 227,700.00 ZZ 360 227,304.93 3 6.7500 1476.86 90 6.5000 1476.86 MIAMI FL 33162 1 02/14/05 10 0003873412 05 04/01/05 25.0000 0003873412 N 03/01/35 0 9669266 286/286 F 112,000.00 ZZ 360 111,771.04 1 5.8750 662.53 80 5.6250 662.53 MARBLE FALLS TX 78654 2 02/18/05 00 0003875585 05 04/01/05 0.0000 0003875585 O 03/01/35 0 9669268 286/286 F 284,000.00 ZZ 360 283,401.51 1 6.2500 1748.64 80 6.0000 1748.64 GENEVA IL 60134 1 02/22/05 00 0003878261 05 04/01/05 0.0000 0003878261 O 03/01/35 0 9669270 286/286 F 135,100.00 ZZ 360 134,866.70 1 6.7500 876.26 80 6.5000 876.26 NORTH ADAMS MA 01247 1 02/24/05 00 0003878378 01 04/01/05 0.0000 0003878378 O 03/01/35 0 9669272 286/286 F 170,000.00 ZZ 360 169,668.69 1 6.1250 1032.94 26 5.8750 1032.94 PAOLA KS 66071 5 02/14/05 00 0003878788 05 04/01/05 0.0000 0003878788 O 03/01/35 0 9669276 286/286 F 65,600.00 ZZ 360 65,481.06 1 6.5000 414.64 80 6.2500 414.64 FRESNO CA 93705 1 02/07/05 00 0003879895 01 04/01/05 0.0000 0003879895 N 03/01/35 0 9669278 286/286 F 245,600.00 ZZ 360 245,121.34 1 6.1250 1492.30 78 5.8750 1492.30 KANSAS CITY MO 64113 5 02/17/05 00 0003880586 05 04/01/05 0.0000 0003880586 O 03/01/35 0 9669280 286/286 F 180,000.00 ZZ 360 179,640.70 3 6.0000 1079.20 80 5.7500 1079.20 COLUMBUS OH 43205 5 02/24/05 00 0003880843 05 04/01/05 0.0000 0003880843 N 03/01/35 0 9669282 286/286 F 144,000.00 ZZ 360 143,738.93 1 6.5000 910.18 80 6.2500 910.18 BISMARCK ND 58503 5 02/15/05 00 0003881549 05 04/01/05 0.0000 0003881549 O 03/01/35 0 9669290 286/286 F 256,500.00 ZZ 360 256,145.78 3 7.8750 1859.81 90 7.6250 1859.81 EAST ORANGE NJ 07017 1 02/23/05 11 0003883443 05 04/01/05 35.0000 0003883443 N 03/01/35 0 9669292 286/286 F 52,200.00 ZZ 360 52,120.30 4 7.3750 360.54 90 7.1250 360.54 DATYON OH 45406 1 02/18/05 14 0003885948 05 04/01/05 25.0000 0003885948 N 03/01/35 0 9669296 286/286 F 120,000.00 ZZ 360 119,782.43 4 6.5000 758.49 80 6.2500 758.49 KELLER TX 76248 1 02/23/05 00 0003886601 05 04/01/05 0.0000 0003886601 N 03/01/35 0 9669300 286/286 F 208,400.00 ZZ 360 207,737.23 1 7.1250 1404.03 80 6.8750 1404.03 CENTERVILLE OH 45458 1 02/22/05 00 0003887392 05 04/01/05 0.0000 0003887392 O 03/01/35 0 9669304 286/286 F 59,200.00 ZZ 360 59,087.35 1 6.2500 364.51 80 6.0000 364.51 SHREVEPORT LA 71115 5 02/18/05 00 0003888564 03 04/01/05 0.0000 0003888564 O 03/01/35 0 9669308 286/286 F 100,000.00 ZZ 360 99,843.51 1 7.2500 682.18 67 7.0000 682.18 MADISON WI 53704 2 02/16/05 00 0003891331 05 04/01/05 0.0000 0003891331 O 03/01/35 0 9669310 286/286 F 88,900.00 ZZ 360 88,764.27 1 7.3750 614.02 70 7.1250 614.02 BOCA RATON FL 33433 5 02/16/05 00 0003893464 01 04/01/05 0.0000 0003893464 O 03/01/35 0 9669312 286/286 F 333,700.00 ZZ 360 333,109.54 2 6.6250 2136.72 80 6.3750 2136.72 MEDFORD MA 02155 1 02/18/05 00 0003893809 05 04/01/05 0.0000 0003893809 N 03/01/35 0 9669316 286/286 F 86,200.00 ZZ 360 86,065.10 1 7.2500 588.04 80 7.0000 588.04 BALTIMORE MD 21224 1 02/24/05 00 0003894847 05 04/01/05 0.0000 0003894847 O 03/01/35 0 9669318 286/286 F 46,350.00 ZZ 360 46,275.64 3 7.1250 312.27 90 6.8750 312.27 FORT WAYNE IN 46802 1 02/23/05 11 0003896248 05 04/01/05 25.0000 0003896248 N 03/01/35 0 9669320 286/286 F 276,000.00 ZZ 360 275,499.63 1 6.5000 1744.51 80 6.2500 1744.51 PHOENIX AZ 85022 1 02/22/05 00 0003896437 03 04/01/05 0.0000 0003896437 O 03/01/35 0 9669326 286/286 F 132,000.00 ZZ 360 131,755.26 3 7.3750 911.70 80 7.1250 911.70 BALTIMORE MD 21216 1 02/22/05 00 0003900547 05 04/01/05 0.0000 0003900547 N 03/01/35 0 9669328 286/286 F 59,000.00 T 360 58,905.34 1 7.1250 397.50 34 6.8750 397.50 CARRABASSETT VME 04947 5 02/17/05 00 0003901777 01 04/01/05 0.0000 0003901777 O 03/01/35 0 9669330 286/286 F 96,000.00 ZZ 360 95,824.83 1 6.6250 614.70 75 6.3750 614.70 BROOKLYN PARK MN 55443 2 02/24/05 00 0003901998 03 04/01/05 0.0000 0003901998 N 03/01/35 0 9669332 286/286 F 104,000.00 ZZ 360 103,841.23 4 7.3750 718.31 80 7.1250 718.31 SAINT LOUIS MO 63111 1 02/18/05 00 0003909788 05 04/01/05 0.0000 0003909788 N 03/01/35 0 9669590 286/286 F 310,455.00 ZZ 360 309,402.71 1 6.8750 2039.47 90 6.6250 2039.47 RANCHO CORDOVACA 95670 1 12/28/04 01 0003557766 05 02/01/05 25.0000 0003557766 O 01/01/35 0 9669592 286/286 F 272,000.00 ZZ 360 270,881.95 1 5.8750 1608.99 80 5.6250 1608.99 IDYLLWILD CA 92549 5 12/14/04 00 0003649021 05 02/01/05 0.0000 0003649021 O 01/01/35 0 9669594 286/286 F 112,500.00 ZZ 360 112,170.27 1 6.1250 683.57 75 5.8750 683.57 VIRGINIA BEACHVA 23452 5 02/02/05 00 0003679866 05 03/01/05 0.0000 0003679866 N 02/01/35 0 9669598 286/286 F 160,000.00 ZZ 360 159,362.09 1 6.5000 1011.31 63 6.2500 1011.31 WHITEHALL PA 18052 1 01/31/05 00 0003735210 05 03/01/05 0.0000 0003735210 O 02/01/35 0 9669600 286/286 F 239,276.00 ZZ 360 238,862.82 1 6.7500 1551.94 80 6.5000 1551.94 WHITEHALL PA 18052 1 02/18/05 00 0003735217 05 04/01/05 0.0000 0003735217 N 03/01/35 0 9669606 286/286 F 84,000.00 ZZ 360 83,686.27 1 6.3750 524.06 80 6.1250 524.06 BALTIMORE MD 21211 1 12/21/04 00 0003758832 05 02/01/05 0.0000 0003758832 O 01/01/35 0 9669608 286/286 F 54,000.00 ZZ 360 53,730.25 1 7.1250 363.81 80 6.8750 363.81 HARRISBURG PA 17102 1 12/29/04 00 0003765625 07 02/01/05 0.0000 0003765625 O 01/01/35 0 9669610 286/286 F 610,000.00 ZZ 360 608,212.24 1 6.1250 3706.43 77 5.8750 3706.43 ANACORTES WA 98221 1 01/13/05 00 0003771518 05 03/01/05 0.0000 0003771518 O 02/01/35 0 9669614 286/286 F 207,200.00 ZZ 360 206,506.59 1 6.2500 1275.77 80 6.0000 1275.77 TACOMA WA 98443 2 01/05/05 00 0003788464 05 03/01/05 0.0000 0003788464 O 02/01/35 0 9669616 286/286 F 204,000.00 ZZ 360 203,238.16 1 6.3750 1272.70 80 6.1250 1272.70 MT SHASTA CA 96067 5 12/28/04 00 0003800901 05 02/01/05 0.0000 0003800901 O 01/01/35 0 9669620 286/286 F 316,000.00 ZZ 360 315,095.79 1 6.2500 1945.67 80 6.0000 1945.67 SCAPPOOSE OR 97056 5 01/25/05 00 0003813257 05 03/01/05 0.0000 0003813257 O 02/01/35 0 9669622 286/286 F 155,200.00 ZZ 360 154,882.75 2 5.8750 918.07 80 5.6250 918.07 SALT LAKE CITYUT 84111 2 02/23/05 00 0003827749 05 04/01/05 0.0000 0003827749 N 03/01/35 0 9669626 286/286 F 72,000.00 ZZ 360 71,872.59 1 6.6250 461.03 80 6.3750 461.03 CHESAPEAKE VA 23324 5 02/11/05 00 0003857234 05 04/01/05 0.0000 0003857234 N 03/01/35 0 9675599 883/G02 F 117,000.00 T 360 116,478.16 1 6.6250 749.16 72 6.3750 749.16 MARGATE FL 33063 1 11/10/04 00 0438659120 09 01/01/05 0.0000 05025616 O 12/01/34 0 9684463 S27/G02 F 125,000.00 T 360 124,414.93 1 6.3750 779.84 76 6.1250 779.84 KISSIMMEE FL 34758 2 11/12/04 00 0438648669 03 01/01/05 0.0000 1970001492 O 12/01/34 0 9706948 X78/G02 F 130,500.00 ZZ 360 130,387.64 1 6.7500 846.42 90 6.5000 846.42 MARIETTA GA 30062 1 03/29/05 10 0439102815 05 05/01/05 25.0000 991314 O 04/01/35 0 9707321 P34/G02 F 195,000.00 ZZ 360 194,151.04 3 6.7500 1264.77 68 6.5000 1264.77 PROVIDENCE RI 02909 5 11/17/04 00 0438757155 05 01/01/05 0.0000 62943 O 12/01/34 0 9708843 E22/G02 F 112,000.00 ZZ 360 111,488.22 1 6.5000 707.92 64 6.2500 707.92 LAWTON OK 73505 5 11/29/04 00 0422538637 05 01/01/05 0.0000 0422538637 O 12/01/34 0 9709167 E82/G02 F 129,900.00 ZZ 360 129,319.19 1 6.3750 810.41 95 6.1250 810.41 MCKINNEY TX 75071 2 12/01/04 04 0401035613 03 02/01/05 30.0000 0401035613 O 01/01/35 0 9712959 E22/G02 F 133,600.00 ZZ 360 133,101.08 1 6.3750 833.49 80 6.1250 833.49 SALT LAKE CITYUT 84118 2 12/02/04 00 0422600577 05 02/01/05 0.0000 0422600577 O 01/01/35 0 9714699 E22/G02 F 372,000.00 ZZ 360 372,000.00 1 5.8750 1821.25 80 5.6250 1821.25 CHULA VISTA CA 91911 1 12/06/04 00 0422662809 05 02/01/05 0.0000 0422662809 O 01/01/35 0 9718397 Y65/G02 F 133,000.00 ZZ 360 132,065.64 1 8.0000 975.91 95 7.7500 975.91 DALTON GA 30721 1 11/17/04 10 0438768475 05 01/01/05 30.0000 40221214 O 12/01/34 0 9720393 E22/G02 F 132,600.00 ZZ 360 132,092.79 1 6.2500 816.44 48 6.0000 816.44 KELLEY IA 50134 2 12/07/04 00 0422603381 05 02/01/05 0.0000 0422603381 O 01/01/35 0 9721353 U05/G02 F 144,000.00 ZZ 360 143,355.77 1 6.6250 922.05 80 6.3750 922.05 COEUR D ALENE ID 83814 2 11/09/04 00 0438737827 05 01/01/05 0.0000 3000674810 O 12/01/34 0 9722059 U45/G02 F 134,900.00 ZZ 360 134,426.48 1 7.1250 908.85 95 6.8750 908.85 SALT LAKE CITYUT 84119 2 12/09/04 04 0438749459 05 02/01/05 30.0000 500400162 O 01/01/35 0 9722865 U05/G02 F 156,000.00 ZZ 360 155,269.82 1 6.3750 973.24 83 6.1250 973.24 BOCA RATON FL 33433 2 11/10/04 14 0438740276 09 01/01/05 12.0000 3000677568 O 12/01/34 0 9725995 P01/G02 F 113,050.00 ZZ 360 112,666.81 2 6.8750 742.66 95 6.6250 742.66 ALBANY NY 12209 1 12/09/04 10 0438784225 05 02/01/05 30.0000 04005606 O 01/01/35 0 9726549 Y65/G02 F 127,200.00 ZZ 360 126,584.54 1 6.3750 793.56 80 6.1250 793.56 MOUNT VERNON WA 98274 2 11/08/04 00 0438781080 05 01/01/05 0.0000 40213754 O 12/01/34 0 9726691 Y65/G02 F 140,000.00 ZZ 360 139,344.72 1 6.3750 873.42 80 6.1250 873.42 NEWPORT OR 97365 2 11/01/04 00 0438782336 05 01/01/05 0.0000 40188248 O 12/01/34 0 9727631 Y65/G02 F 175,100.00 ZZ 360 174,177.81 2 5.8750 1035.78 20 5.6250 1035.78 STATEN ISLAND NY 10312 2 11/12/04 00 0438781163 05 01/01/05 0.0000 40200060 O 12/01/34 0 9728869 E22/G02 F 320,000.00 ZZ 360 318,716.09 1 6.2500 1970.30 80 6.0000 1970.30 LOS ANGELES CA 90062 5 12/10/04 00 0422820761 05 02/01/05 0.0000 0422820761 O 01/01/35 0 9729315 462/G02 F 114,900.00 ZZ 360 114,399.77 1 6.7500 745.24 95 6.5000 745.24 GIBSONTON FL 33534 1 11/30/04 04 0438783136 09 01/01/05 30.0000 0006864086 O 12/01/34 0 9732804 E23/G02 F 400,000.00 ZZ 360 399,638.40 2 6.5000 2528.27 80 6.2500 2528.27 LONG BEACH CA 90804 5 03/22/05 00 0439152182 05 05/01/05 0.0000 51050381 O 04/01/35 0 9737768 B44/G02 F 249,000.00 ZZ 360 249,000.00 1 6.1250 1270.94 64 5.8750 1270.94 WINTERS CA 95694 1 04/01/05 00 0439153040 05 06/01/05 0.0000 2050053 O 05/01/35 0 9737792 E23/G02 F 189,150.00 ZZ 360 188,991.09 1 6.8750 1242.58 75 6.6250 1242.58 OCEANSIDE CA 92056 1 03/29/05 00 0439151994 09 05/01/05 0.0000 11034422 N 04/01/35 0 9737816 X78/U57 F 108,800.00 ZZ 360 108,800.00 1 6.8750 714.74 80 6.6250 714.74 COVINGTON GA 30016 1 04/08/05 00 0439166554 05 06/01/05 0.0000 991324 O 05/01/35 0 9738661 E82/G02 F 315,700.00 ZZ 360 314,400.98 1 6.5000 1995.44 71 6.2500 1995.44 BOCA RATON FL 33486 2 12/20/04 00 0401027263 05 02/01/05 0.0000 0401027263 O 01/01/35 0 9739007 L21/G02 F 103,550.00 T 360 103,215.79 1 7.1250 697.64 70 6.8750 697.64 HAMPTON GA 30228 1 12/08/04 00 0438789042 03 02/01/05 0.0000 26503334 O 01/01/35 0 9739556 B44/G02 F 53,100.00 ZZ 360 53,055.39 1 6.8750 348.83 90 6.6250 348.83 EMMETT ID 83617 1 03/30/05 11 0439192840 05 05/01/05 25.0000 4051032 N 04/01/35 0 9741132 X78/G02 F 137,750.00 ZZ 360 137,750.00 1 7.3750 951.41 95 7.1250 951.41 NORCROSS GA 30093 1 04/15/05 10 0439179656 05 06/01/05 30.0000 99-1329 O 05/01/35 0 9742364 E23/G02 F 302,000.00 ZZ 360 302,000.00 1 6.2500 1859.47 80 6.0000 1859.47 NEWMAN CA 95360 1 04/04/05 00 0439196676 05 06/01/05 0.0000 64007656 O 05/01/35 0 9743520 W98/G02 F 160,000.00 ZZ 360 159,851.81 1 6.3750 998.19 80 6.1250 998.19 BARHAMSVILLE VA 23011 5 03/31/05 00 0439193475 05 05/01/05 0.0000 RC050317 O 04/01/35 0 9743528 W98/G02 F 179,200.00 ZZ 360 179,034.03 1 6.3750 1117.97 80 6.1250 1117.97 CHESTER VA 23831 5 04/01/05 00 0439193368 05 05/01/05 0.0000 RC050327 O 04/01/35 0 9745649 E22/G02 F 384,000.00 ZZ 360 383,904.00 1 6.0000 1920.00 80 5.7500 1920.00 LAKELAND FL 33809 5 12/22/04 00 0422616383 05 02/01/05 0.0000 0422616383 O 01/01/35 0 9745823 E22/G02 F 102,675.00 ZZ 360 102,326.99 3 6.8750 674.50 75 6.6250 674.50 SPOKANE WA 99207 1 12/20/04 00 0422819136 05 02/01/05 0.0000 0422819136 N 01/01/35 0 9747581 253/253 F 117,720.00 ZZ 360 117,290.80 1 6.5000 744.08 75 6.2500 744.08 WEATHERFORD TX 76085 2 12/09/04 00 370145 05 02/01/05 0.0000 370145 O 01/01/35 0 9747611 W53/G02 F 226,950.00 ZZ 360 225,946.76 1 7.0000 1509.91 80 6.7500 1509.91 ATLANTA GA 30305 1 12/07/04 00 0438889982 05 02/01/05 0.0000 1309005627 N 01/01/35 0 9747869 E22/G02 F 96,300.00 ZZ 360 95,965.54 2 6.7500 624.60 90 6.5000 624.60 DALLAS TX 75228 1 12/29/04 10 0422644179 05 02/01/05 25.0000 0422644179 O 01/01/35 0 9749429 E22/G02 F 148,800.00 T 360 148,257.53 1 6.5000 940.52 80 6.2500 940.52 ELMIRA MI 49730 2 12/30/04 00 0422942607 03 02/01/05 0.0000 0422942607 O 01/01/35 0 9750641 E22/G02 F 104,000.00 TX 360 103,629.94 1 6.6250 665.92 80 6.3750 665.92 WYLIE TX 75098 5 12/27/04 00 0422730721 05 02/01/05 0.0000 0422730721 O 01/01/35 0 9755541 E22/G02 F 296,000.00 ZZ 360 294,840.37 1 6.1250 1798.53 80 5.8750 1798.53 MIAMI FL 33145 1 01/04/05 00 0422736850 05 02/01/05 0.0000 0422736850 O 01/01/35 0 9755601 E22/G02 F 305,000.00 ZZ 360 303,805.14 1 6.1250 1853.21 83 5.8750 1853.21 FONTANA CA 92337 5 12/27/04 10 0422820084 05 02/01/05 12.0000 0422820084 O 01/01/35 0 9756433 944/G02 F 170,905.00 ZZ 360 169,505.52 1 6.5000 1080.24 95 6.2500 1080.24 LAKEWOOD CO 80226 1 09/22/04 10 0438823254 09 11/01/04 30.0000 W01780005 O 10/01/34 0 9757927 U05/G02 F 145,000.00 ZZ 360 144,484.02 1 6.6250 928.45 89 6.3750 928.45 MECHANICSBURG PA 17050 2 12/03/04 10 0438834269 05 02/01/05 25.0000 3000684518 O 01/01/35 0 9757951 U05/G02 F 100,800.00 ZZ 360 100,423.57 1 6.3750 628.86 90 6.1250 628.86 DAYTON OH 45449 2 12/20/04 14 0438825457 05 02/01/05 25.0000 3000693066 O 01/01/35 0 9758007 U05/G02 F 105,000.00 ZZ 360 104,553.51 1 6.7500 681.03 75 6.5000 681.03 LIBERTY MO 64068 5 12/03/04 00 0438840779 05 02/01/05 0.0000 3000690428 O 01/01/35 0 9758071 U05/G02 F 144,000.00 ZZ 360 143,107.31 1 6.2500 886.63 74 6.0000 886.63 BELGRADE MT 59714 2 12/15/04 00 0438846776 05 02/01/05 0.0000 3000694843 O 01/01/35 0 9758087 U05/G02 F 132,500.00 ZZ 360 132,005.18 1 6.3750 826.63 80 6.1250 826.63 SAINT CLAIR SHMI 48080 2 12/03/04 00 0438848202 05 02/01/05 0.0000 3000693144 O 01/01/35 0 9758715 E82/G02 F 172,700.00 ZZ 360 172,070.42 1 6.5000 1091.58 83 6.2500 1091.58 HOT SPRINGS NC 28743 2 12/30/04 04 0401051412 05 02/01/05 12.0000 0401051412 O 01/01/35 0 9762145 E22/G02 F 133,100.00 ZZ 360 132,668.30 1 6.2500 819.52 56 6.0000 819.52 PARADISE TX 76073 2 01/10/05 00 0422533505 05 03/01/05 0.0000 0422533505 O 02/01/35 0 9763899 F62/G02 F 144,750.00 ZZ 360 144,259.39 1 6.8750 950.90 75 6.6250 950.90 PEMBROKE PINESFL 33026 1 01/05/05 00 0438829079 09 02/01/05 0.0000 43672 O 01/01/35 0 9764353 E22/G02 F 124,000.00 TX 360 123,661.90 1 6.5000 783.76 80 6.2500 783.76 GARLAND TX 75040 5 01/05/05 00 0422704643 05 03/01/05 0.0000 0422704643 O 02/01/35 0 9764581 E84/G02 F 235,000.00 ZZ 360 233,046.07 1 6.5000 1485.36 66 6.2500 1485.36 BELLEROSE NY 11426 1 07/15/04 00 0438864548 05 09/01/04 0.0000 1101173339 O 08/01/34 0 9765057 P01/G02 F 108,472.00 ZZ 360 108,176.22 1 6.5000 685.62 80 6.2500 685.62 SCOTIA NY 12302 5 12/29/04 00 0438833832 05 03/01/05 0.0000 04006322 O 02/01/35 0 9765479 E22/U57 F 90,000.00 TX 360 89,777.40 1 7.0000 598.77 90 6.7500 598.77 SPRING TX 77070 5 01/12/05 10 0422866988 03 03/01/05 25.0000 0422866988 N 02/01/35 0 9765553 E22/G02 F 104,500.00 ZZ 360 104,072.52 1 6.7500 677.79 79 6.5000 677.79 HARTFORD AL 36344 2 01/07/05 00 0422910604 05 03/01/05 0.0000 0422910604 O 02/01/35 0 9766345 Y69/U57 F 98,500.00 ZZ 360 98,104.81 1 6.0000 590.56 80 5.7500 590.56 SAINT PETERSBUFL 33709 5 12/16/04 00 0438854135 05 02/01/05 0.0000 5020020154 O 01/01/35 0 9773625 E22/G02 F 122,500.00 ZZ 360 122,157.81 1 6.3750 764.24 49 6.1250 764.24 GALLOWAY NJ 08201 2 01/12/05 00 0422849224 03 03/01/05 0.0000 0422849224 O 02/01/35 0 9773755 E22/G02 F 270,000.00 ZZ 360 269,281.40 1 6.6250 1728.84 90 6.3750 1728.84 ALBA TX 75410 1 01/12/05 10 0423025667 05 03/01/05 25.0000 0423025667 N 02/01/35 0 9773941 E22/G02 F 166,150.00 TX 360 165,707.79 1 6.6250 1063.88 73 6.3750 1063.88 HOUSTON TX 77098 5 01/11/05 00 0422804369 09 03/01/05 0.0000 0422804369 O 02/01/35 0 9774043 E22/G02 F 284,000.00 ZZ 360 283,206.68 1 6.3750 1771.79 80 6.1250 1771.79 ELK GROVE CA 95758 5 01/07/05 00 0422939769 05 03/01/05 0.0000 0422939769 O 02/01/35 0 9775895 144/144 F 118,400.00 ZZ 360 117,559.83 1 6.1250 719.41 38 5.8750 719.41 ACCORD NY 12404 2 01/10/05 00 411112065 05 03/01/05 0.0000 411112065 O 02/01/35 0 9776777 E22/U57 F 104,000.00 ZZ 360 103,680.94 1 6.7500 674.54 80 6.5000 674.54 PROVO UT 84601 2 01/13/05 00 0422717181 05 03/01/05 0.0000 0422717181 O 02/01/35 0 9777907 E22/G02 F 95,400.00 ZZ 240 94,863.84 1 7.2500 754.02 88 7.0000 754.02 HOUSTON TX 77041 2 01/14/05 10 0423008598 03 03/01/05 30.0000 0423008598 O 02/01/25 0 9778009 E82/G02 F 119,500.00 ZZ 360 119,166.20 1 6.3750 745.52 83 6.1250 745.52 COLORADO SPRINCO 80905 2 01/14/05 04 0401031653 05 03/01/05 12.0000 0401031653 O 02/01/35 0 9781877 E22/G02 F 154,724.00 ZZ 360 154,302.11 1 6.5000 977.96 95 6.2500 977.96 SOUTH BEND IN 46628 1 01/21/05 04 0422948745 05 03/01/05 30.0000 0422948745 O 02/01/35 0 9782529 U05/G02 F 130,400.00 TX 360 130,061.29 1 6.7500 845.77 80 6.5000 845.77 CORPUS CHRISTITX 78418 5 01/10/05 00 0438891285 03 03/01/05 0.0000 3000702941 O 02/01/35 0 9782893 E22/G02 F 225,000.00 ZZ 360 224,074.67 1 5.8750 1330.96 75 5.6250 1330.96 RIO LINDA CA 95673 5 01/13/05 00 0422808345 05 03/01/05 0.0000 0422808345 O 02/01/35 0 9782925 E22/G02 F 108,750.00 ZZ 360 107,948.75 4 6.5000 687.37 75 6.2500 687.37 JACKSON MI 49201 5 01/19/05 00 0422851709 05 03/01/05 0.0000 0422851709 O 02/01/35 0 9782963 E22/G02 F 99,750.00 ZZ 360 99,497.13 1 6.8750 655.29 95 6.6250 655.29 PLATTSMOUTH NE 68048 2 01/19/05 04 0422927533 05 03/01/05 30.0000 0422927533 O 02/01/35 0 9782977 E22/G02 F 140,000.00 ZZ 360 138,913.09 1 6.6250 896.44 80 6.3750 896.44 PORT ORCHARD WA 98366 2 01/13/05 00 0422941385 05 03/01/05 0.0000 0422941385 O 02/01/35 0 9784071 E22/G02 F 259,200.00 ZZ 360 258,366.03 1 6.2500 1595.94 90 6.0000 1595.94 KNOXVILLE TN 37922 5 01/20/05 10 0422956813 05 03/01/05 25.0000 0422956813 O 02/01/35 0 9784285 E82/G02 F 163,900.00 ZZ 360 163,474.28 4 6.7500 1063.05 67 6.5000 1063.05 MCALLEN TX 78504 2 01/21/05 00 0401057849 05 03/01/05 0.0000 0401057849 O 02/01/35 0 9786219 E82/G02 F 129,000.00 ZZ 240 127,189.40 1 6.3750 952.32 56 6.1250 952.32 PARK CITY UT 84098 2 01/26/05 00 0401056213 05 03/01/05 0.0000 0401056213 O 02/01/25 0 9786285 E22/G02 F 280,000.00 ZZ 360 279,159.60 1 6.0000 1678.74 80 5.7500 1678.74 SANDPOINT ID 83864 1 01/18/05 00 0423010032 05 03/01/05 0.0000 0423010032 O 02/01/35 0 9786341 E22/G02 F 326,000.00 ZZ 360 324,998.00 1 5.8750 1928.41 85 5.6250 1928.41 UPLAND CA 91786 5 01/21/05 01 0422908921 05 03/01/05 12.0000 0422908921 O 02/01/35 0 9786513 E22/U57 F 122,310.00 T 360 121,968.32 1 6.3750 763.06 90 6.1250 763.06 MCALLEN TX 78504 1 01/26/05 10 0422871764 09 03/01/05 25.0000 0422871764 O 02/01/35 0 9787613 E22/G02 F 439,200.00 ZZ 360 439,194.93 1 6.1250 2241.75 80 5.8750 2241.75 SANDPOINT ID 83864 1 01/20/05 00 0422953067 05 03/01/05 0.0000 0422953067 O 02/01/35 0 9789313 E22/G02 F 400,000.00 ZZ 360 398,909.31 3 6.5000 2528.27 72 6.2500 2528.27 PORTCHESTER NY 10573 2 01/31/05 00 0422925024 05 03/01/05 0.0000 0422925024 N 02/01/35 0 9789337 E22/U57 F 107,500.00 ZZ 240 106,778.66 1 6.3750 793.60 36 6.1250 793.60 ALBERTVILLE AL 35951 2 01/24/05 00 0422944165 05 03/01/05 0.0000 0422944165 O 02/01/25 0 9789341 E22/U57 F 103,000.00 ZZ 360 102,662.01 1 6.3750 642.59 86 6.1250 642.59 HOUSTON TX 77043 2 01/25/05 04 0422946699 05 03/01/05 25.0000 0422946699 O 02/01/35 0 9789529 E22/U57 F 116,800.00 ZZ 360 116,496.62 1 6.7500 757.56 80 6.5000 757.56 PALISADE CO 81526 2 01/25/05 00 0423104587 05 03/01/05 0.0000 0423104587 O 02/01/35 0 9789695 E22/G02 F 318,750.00 ZZ 360 317,762.56 1 6.2500 1962.60 75 6.0000 1962.60 BAKERSFIELD CA 93312 5 01/24/05 00 0422832881 05 03/01/05 0.0000 0422832881 O 02/01/35 0 9789697 E22/U57 F 110,500.00 ZZ 240 109,810.19 1 6.3750 815.75 85 6.1250 815.75 RICHMOND VA 23234 2 01/26/05 10 0422835918 05 03/01/05 12.0000 0422835918 O 02/01/25 0 9789715 E22/U57 F 127,600.00 ZZ 360 127,240.82 1 6.8750 838.24 80 6.6250 838.24 DELAWARE OH 43015 1 01/31/05 00 0422867176 05 03/01/05 0.0000 0422867176 O 02/01/35 0 9789723 E22/G02 F 320,000.00 ZZ 360 319,166.18 4 6.8750 2102.17 80 6.6250 2102.17 COVENTRY RI 02816 5 01/25/05 00 0422875005 05 03/01/05 0.0000 0422875005 O 02/01/35 0 9790463 U42/G02 F 105,600.00 ZZ 240 104,879.18 1 6.3750 779.57 80 6.1250 779.57 BENNINGTON OK 74723 1 01/24/05 00 0438899445 05 03/01/05 0.0000 14400673 O 02/01/25 0 9794811 H76/G02 F 171,000.00 ZZ 360 170,555.81 1 6.7500 1109.11 78 6.5000 1109.11 FARMINGTON NH 03835 5 01/10/05 00 0438929952 05 03/01/05 0.0000 604381 O 02/01/35 0 9795799 U05/G02 F 123,000.00 ZZ 360 122,709.27 1 6.2500 757.33 88 6.0000 757.33 DES MOINES IA 50310 2 01/28/05 10 0438938441 05 04/01/05 25.0000 3000708530 O 03/01/35 0 9795883 U05/G02 F 118,500.00 ZZ 360 118,168.97 1 6.3750 739.29 77 6.1250 739.29 HOMEWOOD IL 60430 2 01/24/05 00 0438956567 05 03/01/05 0.0000 3000703524 O 02/01/35 0 9795885 U05/G02 F 108,000.00 T 360 107,698.31 1 6.3750 673.78 78 6.1250 673.78 ZEPHYRHILLS FL 33542 1 01/14/05 00 0438937146 05 03/01/05 0.0000 3000703548 O 02/01/35 0 9795915 U05/G02 F 141,000.00 ZZ 360 140,606.12 1 6.3750 879.66 73 6.1250 879.66 PALM BAY FL 32905 2 01/14/05 00 0438931917 05 03/01/05 0.0000 3000700500 O 02/01/35 0 9795921 U05/G02 F 108,000.00 ZZ 360 107,698.31 1 6.3750 673.78 80 6.1250 673.78 SAFETY HARBOR FL 34695 1 01/04/05 00 0438956500 05 03/01/05 0.0000 3000701063 O 02/01/35 0 9796191 E22/G02 F 113,500.00 ZZ 360 113,500.00 1 6.5000 614.79 79 6.2500 614.79 OMAHA NE 68134 5 01/28/05 00 0423007384 05 03/01/05 0.0000 0423007384 O 02/01/35 0 9796321 E22/G02 F 236,000.00 ZZ 360 235,266.63 1 5.8750 1396.03 73 5.6250 1396.03 UNIVERSITY PLAWA 98466 2 01/26/05 00 0422706564 05 03/01/05 0.0000 0422706564 O 02/01/35 0 9796367 E22/U57 F 122,400.00 ZZ 360 122,082.08 1 6.7500 793.88 90 6.5000 793.88 ROCKY MOUNT MO 65072 5 01/28/05 10 0423135391 05 03/01/05 25.0000 0423135391 O 02/01/35 0 9796403 E22/U57 F 110,000.00 ZZ 360 109,707.25 1 6.6250 704.34 80 6.3750 704.34 RICHMOND HEIGHOH 44143 1 02/02/05 00 0423189521 05 03/01/05 0.0000 0423189521 O 02/01/35 0 9796407 E22/U57 F 110,400.00 ZZ 360 110,209.37 1 6.7500 716.05 80 6.5000 716.05 DES MOINES IA 50310 2 01/28/05 00 0423192384 05 04/01/05 0.0000 0423192384 O 03/01/35 0 9796449 E22/G02 F 106,000.00 ZZ 360 105,701.27 1 6.3750 661.30 87 6.1250 661.30 YUKON OK 73099 2 01/28/05 10 0423251883 05 03/01/05 30.0000 0423251883 O 02/01/35 0 9798267 E22/U57 F 94,500.00 ZZ 360 94,260.45 1 6.8750 620.80 90 6.6250 620.80 MANORVILLE NY 11949 1 02/03/05 01 0422761510 05 03/01/05 25.0000 0422761510 O 02/01/35 0 9798717 E84/G02 F 178,000.00 ZZ 360 177,366.61 4 6.6250 1139.75 80 6.3750 1139.75 SAINT LOUIS MO 63109 1 12/16/04 00 0439120791 05 02/01/05 0.0000 69947624 N 01/01/35 0 9798889 025/025 F 119,200.00 ZZ 360 118,691.80 1 6.5000 753.43 80 6.2500 753.43 WICHITA KS 67205 1 12/03/04 00 0142682319 05 02/01/05 0.0000 0142682319 O 01/01/35 0 9798955 025/025 F 102,400.00 ZZ 360 102,400.00 1 6.5000 554.67 80 6.2500 554.67 ORLANDO FL 32807 1 12/28/04 00 0201222528 05 02/01/05 0.0000 0201222528 O 01/01/35 0 9799047 025/025 F 100,000.00 T 360 99,463.28 1 6.6250 640.31 66 6.3750 640.31 HOLLY HILL FL 32117 5 10/26/04 00 0029881638 05 12/01/04 0.0000 0029881638 O 11/01/34 0 9799149 025/025 F 140,400.00 ZZ 360 139,773.74 1 6.6250 899.00 90 6.3750 899.00 ALBUQUERQUE NM 87120 2 11/30/04 04 0142986009 05 01/01/05 25.0000 0142986009 O 12/01/34 0 9799183 025/025 F 312,000.00 ZZ 360 312,000.00 1 6.5000 1690.00 80 6.2500 1690.00 CANTON MI 48188 2 12/24/04 00 0134723691 29 02/01/05 0.0000 0134723691 O 01/01/35 0 9799261 025/025 F 146,700.00 T 360 146,700.00 1 7.2500 886.31 90 7.0000 886.31 SALT LAKE CITYUT 84106 5 11/22/04 12 0201052024 05 01/01/05 25.0000 0201052024 O 12/01/34 0 9799405 025/025 F 131,100.00 ZZ 360 130,500.98 1 6.5000 828.64 95 6.2500 828.64 NORTH AUGUSTA SC 29841 1 11/30/04 14 0201066099 05 01/01/05 30.0000 0201066099 O 12/01/34 0 9799515 025/025 F 134,900.00 T 360 134,199.39 1 6.7500 874.96 90 6.5000 874.96 CLEVELAND TN 37323 1 11/08/04 11 0031773211 05 01/01/05 25.0000 0031773211 O 12/01/34 0 9799617 E22/G02 F 226,350.00 ZZ 360 225,968.59 4 6.8750 1486.96 90 6.6250 1486.96 COLUMBIA SC 29223 1 02/04/05 10 0423152149 05 04/01/05 25.0000 0423152149 N 03/01/35 0 9799689 E22/U57 F 133,000.00 ZZ 360 132,686.86 1 7.2500 907.29 95 7.0000 907.29 COLLBRAN CO 81624 1 02/04/05 01 0423210855 05 03/01/05 30.0000 0423210855 O 02/01/35 0 9799789 E22/G02 F 421,000.00 ZZ 360 419,706.01 2 5.8750 2490.37 79 5.6250 2490.37 EVERETT MA 02149 2 01/31/05 00 0423135516 05 03/01/05 0.0000 0423135516 O 02/01/35 0 9799875 E22/G02 F 224,400.00 ZZ 360 223,941.30 1 5.8750 1327.41 74 5.6250 1327.41 MARYSVILLE CA 95901 5 01/27/05 00 0423024702 05 04/01/05 0.0000 0423024702 O 03/01/35 0 9800091 E82/G02 F 218,000.00 ZZ 360 217,604.78 2 6.5000 1377.91 35 6.2500 1377.91 ARLINGTON MA 02474 5 02/02/05 00 0401073630 05 04/01/05 0.0000 0401073630 O 03/01/35 0 9800735 E22/G02 F 165,300.00 ZZ 360 164,977.86 1 6.1250 1004.38 95 5.8750 1004.38 THOMPSONTOWN PA 17094 5 02/01/05 11 0423072586 05 04/01/05 30.0000 0423072586 O 03/01/35 0 9803465 E22/U57 F 152,800.00 ZZ 360 152,516.21 1 6.3750 953.27 80 6.1250 953.27 DENVER CO 80241 2 02/04/05 00 0423263185 09 04/01/05 0.0000 0423263185 O 03/01/35 0 9803477 E22/G02 F 251,000.00 ZZ 360 250,486.93 1 5.8750 1484.76 52 5.6250 1484.76 GARDEN GROVE CA 92843 5 02/02/05 00 0423286657 05 04/01/05 0.0000 0423286657 O 03/01/35 0 9804159 Y69/G02 F 109,600.00 ZZ 360 109,315.33 1 6.7500 710.86 80 6.5000 710.86 CONLEY GA 30288 5 01/25/05 00 0438934556 05 03/01/05 0.0000 5010024940 O 02/01/35 0 9804585 E22/G02 F 246,500.00 ZZ 360 246,063.83 1 6.6250 1578.37 84 6.3750 1578.37 YUBA CITY CA 95993 5 02/02/05 10 0422981936 05 04/01/05 12.0000 0422981936 O 03/01/35 0 9804727 E22/U57 F 133,000.00 ZZ 360 132,758.89 1 6.5000 840.65 70 6.2500 840.65 OVIEDO FL 32765 1 02/10/05 00 0423226356 03 04/01/05 0.0000 0423226356 O 03/01/35 0 9806079 E22/U57 F 104,000.00 ZZ 360 103,815.99 1 6.6250 665.92 80 6.3750 665.92 SANDY UT 84094 1 02/08/05 00 0423283639 05 04/01/05 0.0000 0423283639 O 03/01/35 0 9808857 E22/G02 F 312,000.00 ZZ 360 312,000.00 1 5.8750 1527.50 80 5.6250 1527.50 EDMONDS WA 98020 5 02/04/05 00 0423196625 05 04/01/05 0.0000 0423196625 O 03/01/35 0 9811819 N74/G02 F 132,000.00 ZZ 360 131,603.79 1 6.0000 791.41 80 5.7500 791.41 CLEMMONS NC 27012 5 01/31/05 00 0439154857 05 03/04/05 0.0000 0035822010 O 02/04/35 0 9812007 Y76/G02 F 115,000.00 ZZ 240 114,529.75 1 6.5000 857.41 80 6.2500 857.41 SPRINGFIELD OR 97477 5 02/08/05 00 0438967739 05 04/01/05 0.0000 PDX210488 O 03/01/25 0 9812809 U05/G02 F 130,500.00 ZZ 360 130,144.16 1 6.5000 824.85 90 6.2500 824.85 CORPUS CHRISTITX 78414 1 01/28/05 01 0438973737 05 03/01/05 30.0000 3000706211 O 02/01/35 0 9813413 E22/U57 F 119,920.00 ZZ 360 119,705.64 1 6.8750 787.79 80 6.6250 787.79 FARMERSVILLE CA 93223 1 02/07/05 00 0423328301 05 04/01/05 0.0000 0423328301 O 03/01/35 0 9815137 E22/U57 F 140,600.00 ZZ 360 140,357.21 4 6.7500 911.93 95 6.5000 911.93 WICHITA KS 67202 1 02/11/05 04 0422922310 05 04/01/05 30.0000 0422922310 O 03/01/35 0 9815337 E22/U57 F 120,000.00 ZZ 360 119,782.45 1 6.5000 758.48 80 6.2500 758.48 TACOMA WA 98404 1 02/08/05 00 0423232586 05 04/01/05 0.0000 0423232586 O 03/01/35 0 9816061 L21/G02 F 118,800.00 ZZ 360 118,496.19 1 6.8750 780.44 95 6.6250 780.44 DELTONA FL 32738 1 01/31/05 19 0438974776 05 03/01/05 30.0000 28504061 O 02/01/35 0 9816399 E22/G02 F 100,000.00 ZZ 360 99,763.50 1 6.5000 632.07 29 6.2500 632.07 ROGUE RIVER OR 97537 1 02/11/05 00 0423105998 05 04/01/05 0.0000 0423105998 O 03/01/35 0 9816415 E22/U57 F 134,900.00 ZZ 360 134,485.26 1 6.6250 863.78 95 6.3750 863.78 PLEASANT GROVEUT 84062 1 02/15/05 01 0423140573 05 04/01/05 30.0000 0423140573 O 03/01/35 0 9816511 E22/G02 F 248,000.00 ZZ 360 247,539.38 1 6.3750 1547.20 53 6.1250 1547.20 ONTARIO CA 91762 5 02/11/05 00 0423272772 05 04/01/05 0.0000 0423272772 O 03/01/35 0 9816583 E82/G02 F 101,000.00 ZZ 360 100,793.61 1 6.5000 638.39 78 6.2500 638.39 DEPTFORD NJ 08096 2 02/15/05 00 0401078811 05 04/01/05 0.0000 0401078811 O 03/01/35 0 9817563 L14/G02 F 260,000.00 ZZ 360 259,340.92 1 6.8750 1708.02 53 6.6250 1708.02 ACWORTH GA 30101 1 01/27/05 00 0438984346 03 03/01/05 0.0000 200925079 O 02/01/35 0 9817575 L14/G02 F 131,000.00 ZZ 360 130,498.90 1 6.2500 806.59 78 6.0000 806.59 MCCALLA AL 35111 2 12/27/04 00 0438984502 05 02/01/05 0.0000 206815907 O 01/01/35 0 9817617 L14/G02 F 229,000.00 ZZ 360 228,124.03 1 6.2500 1410.00 80 6.0000 1410.00 FORT WORTH TX 76112 2 12/13/04 00 0438987281 05 02/01/05 0.0000 204838567 O 01/01/35 0 9817645 L14/G02 F 123,200.00 ZZ 360 122,750.85 1 6.5000 778.71 80 6.2500 778.71 ISLAND LAKE IL 60042 1 12/30/04 00 0438983801 09 02/01/05 0.0000 227600069 O 01/01/35 0 9817683 L14/G02 F 225,223.00 ZZ 360 224,608.86 1 6.5000 1423.57 80 6.2500 1423.57 PARRISH FL 34219 1 01/26/05 00 0438982076 03 03/01/05 0.0000 106305303 O 02/01/35 0 9817693 L14/G02 F 147,002.00 ZZ 360 147,002.00 1 6.6250 811.57 80 6.3750 811.57 MURFREESBORO TN 37128 1 01/27/05 00 0438984817 03 03/01/05 0.0000 117001819 O 02/01/35 0 9817697 L14/G02 F 100,000.00 ZZ 360 99,713.85 1 6.2500 615.72 24 6.0000 615.72 GEORGETOWN MA 01833 2 01/25/05 00 0438984551 05 03/01/05 0.0000 215767108 O 02/01/35 0 9817713 L14/G02 F 600,000.00 ZZ 360 598,363.94 1 6.5000 3792.41 80 6.2500 3792.41 GLOUCESTER MA 01930 1 01/14/05 00 0438980112 05 03/01/05 0.0000 215755383 O 02/01/35 0 9817727 L14/G02 F 112,392.00 ZZ 360 112,085.52 1 6.5000 710.40 80 6.2500 710.40 CARPENTERSVILLIL 60110 1 01/24/05 00 0438977621 01 03/01/05 0.0000 101218215 O 02/01/35 0 9817745 L14/G02 F 180,000.00 ZZ 360 178,782.84 1 6.2500 1108.30 88 6.0000 1108.30 IRMO SC 29063 1 01/26/05 11 0438982845 03 03/01/05 25.0000 103919862 O 02/01/35 0 9817755 L14/G02 F 322,000.00 ZZ 360 320,833.51 1 6.0000 1930.56 65 5.7500 1930.56 FOUNTAIN HILLSAZ 85268 2 01/21/05 00 0438984015 05 03/01/05 0.0000 202127105 O 02/01/35 0 9818111 E22/G02 F 270,000.00 ZZ 360 269,461.08 1 6.0000 1618.79 90 5.7500 1618.79 RIVERSIDE CA 92059 1 02/08/05 10 0423051085 05 04/01/05 25.0000 0423051085 O 03/01/35 0 9818255 E22/G02 F 120,000.00 ZZ 360 119,782.45 1 6.5000 758.48 80 6.2500 758.48 OAK PARK MI 48237 2 02/14/05 00 0423204932 05 04/01/05 0.0000 0423204932 O 03/01/35 0 9818955 L14/G02 F 171,560.00 ZZ 360 169,843.28 1 6.3750 1070.32 80 6.1250 1070.32 ANTIOCH TN 37013 1 01/07/05 00 0438980880 03 02/01/05 0.0000 230330109 O 01/01/35 0 9818959 L14/G02 F 167,920.00 ZZ 360 167,292.89 1 6.3750 1047.61 80 6.1250 1047.61 WESLEY CHAPEL FL 33543 1 12/30/04 00 0438981342 03 02/01/05 0.0000 231908186 O 01/01/35 0 9818967 L14/G02 F 99,000.00 ZZ 240 98,218.35 1 6.0000 709.27 29 5.7500 709.27 MARSHFIELD MA 02050 2 01/26/05 00 0438981763 05 03/01/05 0.0000 222208628 O 02/01/25 0 9818969 L14/G02 F 182,000.00 ZZ 360 181,453.70 1 6.0000 1091.19 51 5.7500 1091.19 COHASSETT MA 02025 2 01/21/05 00 0438985962 05 03/01/05 0.0000 222207881 O 02/01/35 0 9819053 L14/G02 F 230,000.00 ZZ 360 230,000.00 1 6.1250 1173.96 43 5.8750 1173.96 BOCA RATON FL 33434 1 01/06/05 00 0438987133 03 03/01/05 0.0000 220002881 O 02/01/35 0 9819073 L14/G02 F 110,001.00 ZZ 360 109,708.23 1 6.6250 704.35 40 6.3750 704.35 UNDERHILL VT 05489 5 01/24/05 00 0438985079 05 03/01/05 0.0000 219607121 O 02/01/35 0 9819107 L14/G02 F 188,000.00 ZZ 360 187,462.06 1 6.2500 1157.55 80 6.0000 1157.55 PALM HARBOR FL 34683 1 01/17/05 00 0438998932 03 03/01/05 0.0000 209606020 O 02/01/35 0 9819111 L14/G02 F 117,600.00 ZZ 360 117,287.00 1 6.6250 753.01 80 6.3750 753.01 BRADENTON FL 34205 1 01/13/05 00 0438985723 05 03/01/05 0.0000 237000675 O 02/01/35 0 9819129 L14/G02 F 100,000.00 ZZ 360 99,727.32 1 6.5000 632.07 59 6.2500 632.07 BURLINGTON VT 05401 5 01/05/05 00 0438982829 05 03/01/05 0.0000 219606755 O 02/01/35 0 9819135 L14/G02 F 343,200.00 ZZ 360 342,286.58 1 6.6250 2197.55 80 6.3750 2197.55 STAMFORD CT 06902 1 01/26/05 00 0438982910 01 03/01/05 0.0000 215116847 O 02/01/35 0 9819409 E22/G02 F 92,000.00 ZZ 360 92,000.00 1 6.6250 507.92 80 6.3750 507.92 COLUMBUS OH 43207 2 02/16/05 00 0423134501 29 04/01/05 0.0000 0423134501 O 03/01/35 0 9819461 E22/U57 F 120,000.00 ZZ 360 119,787.68 2 6.6250 768.37 93 6.3750 768.37 CHALMETTE LA 70043 1 02/22/05 01 0423188523 05 04/01/05 30.0000 0423188523 O 03/01/35 0 9819537 E22/G02 F 321,600.00 ZZ 360 321,016.97 1 6.5000 2032.73 80 6.2500 2032.73 WEST PATERSON NJ 07424 2 02/16/05 00 0423346824 05 04/01/05 0.0000 0423346824 O 03/01/35 0 9819559 E22/G02 F 96,000.00 ZZ 360 95,821.69 1 6.3750 598.92 88 6.1250 598.92 ALBERTVILLE AL 35951 2 02/16/05 10 0423361450 05 04/01/05 25.0000 0423361450 O 03/01/35 0 9819611 E22/G02 F 200,000.00 ZZ 360 199,591.18 1 5.8750 1183.08 80 5.6250 1183.08 SEATTLE WA 98126 1 02/11/05 00 0423200328 05 04/01/05 0.0000 0423200328 N 03/01/35 0 9819719 E22/G02 F 233,600.00 ZZ 360 233,206.36 1 6.8750 1534.59 80 6.6250 1534.59 NETCONG NJ 07857 2 02/15/05 00 0422715391 05 04/01/05 0.0000 0422715391 O 03/01/35 0 9819817 E22/U57 F 169,600.00 ZZ 360 169,314.22 1 6.8750 1114.15 80 6.6250 1114.15 FAIRHAVEN MA 02719 5 02/15/05 00 0423118066 05 04/01/05 0.0000 0423118066 O 03/01/35 0 9822563 E22/G02 F 176,000.00 ZZ 360 175,665.15 1 6.2500 1083.66 80 6.0000 1083.66 MIAMI FL 33193 1 02/24/05 00 0422997882 09 04/01/05 0.0000 0422997882 O 03/01/35 0 9822941 E22/G02 F 272,000.00 ZZ 360 271,457.09 1 6.0000 1630.78 80 5.7500 1630.78 ORANGEVALE CA 95662 5 02/17/05 00 0423256403 05 04/01/05 0.0000 0423256403 O 03/01/35 0 9823097 E82/G02 F 118,400.00 ZZ 240 117,901.20 1 6.2500 865.42 66 6.0000 865.42 BAYVILLE NJ 08721 2 02/23/05 00 0401088380 05 04/01/05 0.0000 0401088380 O 03/01/25 0 9823317 E82/G02 F 129,700.00 ZZ 360 129,470.51 2 6.6250 830.48 75 6.3750 830.48 PORTLAND OR 97211 2 02/23/05 00 0401071089 05 04/01/05 0.0000 0401071089 N 03/01/35 0 9824381 E22/G02 F 133,600.00 ZZ 360 133,351.86 1 6.3750 833.49 80 6.1250 833.49 DORAVILLE GA 30340 1 02/25/05 00 0423391333 05 04/01/05 0.0000 0423391333 O 03/01/35 0 9824665 E22/U57 F 138,900.00 ZZ 360 138,665.95 1 6.8750 912.47 90 6.6250 912.47 GROVETOWN GA 30813 2 02/25/05 04 0423232693 05 04/01/05 25.0000 0423232693 O 03/01/35 0 9824823 E22/G02 F 92,264.00 ZZ 360 92,264.00 1 6.5000 499.76 80 6.2500 499.76 MIDDLETON ID 83644 1 02/23/05 00 0423118579 03 04/01/05 0.0000 0423118579 O 03/01/35 0 9825375 H49/G02 F 114,844.00 ZZ 360 114,659.77 2 7.1250 773.73 90 6.8750 773.73 ST JOSEPH MO 64505 1 02/21/05 01 0439017930 05 04/01/05 25.0000 637097 N 03/01/35 0 9826259 E22/G02 F 145,000.00 ZZ 360 144,686.53 1 6.7500 940.47 78 6.5000 940.47 DEARBORN HEIGHMI 48127 2 02/23/05 00 0423376300 05 04/01/05 0.0000 0423376300 O 03/01/35 0 9826281 E22/G02 F 124,000.00 ZZ 360 123,740.88 1 6.6250 793.99 80 6.3750 793.99 DE SOTO MO 63020 1 02/28/05 00 0423383132 05 04/01/05 0.0000 0423383132 O 03/01/35 0 9826303 E22/U57 F 109,250.00 ZZ 360 109,074.74 1 7.1250 736.04 95 6.8750 736.04 GUTHRIE OK 73044 5 02/23/05 10 0423391358 05 04/01/05 30.0000 0423391358 O 03/01/35 0 9826383 E22/U57 F 159,750.00 ZZ 360 159,467.32 1 6.6250 1022.90 90 6.3750 1022.90 KENNETH CITY FL 33709 1 02/28/05 01 0423426410 09 04/01/05 25.0000 0423426410 O 03/01/35 0 9826627 E22/G02 F 120,000.00 ZZ 360 119,782.45 1 6.5000 758.48 84 6.2500 758.48 KANSAS CITY MO 64118 2 02/23/05 10 0423190396 05 04/01/05 12.0000 0423190396 O 03/01/35 0 9826657 E22/U57 F 236,000.00 ZZ 360 235,550.99 1 6.2500 1453.09 80 6.0000 1453.09 LAKEVILLE CT 06039 1 02/28/05 00 0423208503 05 04/01/05 0.0000 0423208503 O 03/01/35 0 9826693 E22/G02 F 96,000.00 ZZ 360 95,830.13 1 6.6250 614.70 80 6.3750 614.70 NEW TROY MI 49119 2 02/23/05 00 0423223874 05 04/01/05 0.0000 0423223874 O 03/01/35 0 9826767 E22/U57 F 217,550.00 ZZ 360 217,183.41 1 6.8750 1429.15 95 6.6250 1429.15 NEWPORT NH 03784 5 02/22/05 11 0422836924 05 04/01/05 30.0000 0422836924 O 03/01/35 0 9826781 E22/U57 F 96,000.00 ZZ 360 95,821.69 1 6.3750 598.92 80 6.1250 598.92 RICHMOND VA 23227 1 02/28/05 00 0423260702 05 04/01/05 0.0000 0423260702 N 03/01/35 0 9826837 E22/G02 F 145,000.00 ZZ 360 144,630.42 1 6.3750 904.61 75 6.1250 904.61 ROSEVILLE MI 48066 2 02/22/05 00 0423289313 05 04/01/05 0.0000 0423289313 O 03/01/35 0 9826877 E22/U57 F 359,000.00 ZZ 360 358,395.07 1 6.8750 2358.37 80 6.6250 2358.37 PELHAM NH 03076 1 02/28/05 00 0423305960 05 04/01/05 0.0000 0423305960 O 03/01/35 0 9826905 E22/U57 F 195,300.00 ZZ 360 194,970.92 1 6.8750 1282.98 90 6.6250 1282.98 ROSWELL GA 30075 1 02/28/05 04 0423312826 05 04/01/05 25.0000 0423312826 O 03/01/35 0 9827519 M37/U57 F 99,900.00 ZZ 360 99,731.66 1 6.8750 656.27 90 6.6250 656.27 CHEYENNE WY 82007 1 02/25/05 04 0438999609 05 04/01/05 25.0000 622156 O 03/01/35 0 9827667 E22/G02 F 230,000.00 ZZ 360 229,562.40 2 6.2500 1416.15 80 6.0000 1416.15 STATE COLLEGE PA 16801 2 03/01/05 00 0422980169 05 04/01/05 0.0000 0422980169 N 03/01/35 0 9827709 E22/U57 F 104,000.00 ZZ 360 103,815.99 1 6.6250 665.92 80 6.3750 665.92 HIALEAH FL 33016 1 03/01/05 00 0423157148 08 04/01/05 0.0000 0423157148 O 03/01/35 0 9827745 E22/U57 F 232,800.00 ZZ 360 232,397.99 1 6.7500 1509.94 80 6.5000 1509.94 HUNTLY VA 22640 2 02/24/05 00 0423236199 05 04/01/05 0.0000 0423236199 O 03/01/35 0 9827749 E22/G02 F 344,000.00 ZZ 360 344,000.00 1 6.1250 1755.83 80 5.8750 1755.83 DEL MAR CA 92014 5 02/23/05 00 0423242874 01 04/01/05 0.0000 0423242874 O 03/01/35 0 9827773 E22/U57 F 115,537.00 ZZ 360 115,342.30 1 6.8750 759.00 90 6.6250 759.00 PLEASANT GROVEAL 35127 1 02/28/05 10 0423271766 05 04/01/05 25.0000 0423271766 N 03/01/35 0 9828447 N74/U57 F 237,500.00 ZZ 360 236,954.52 1 7.3750 1640.35 95 7.1250 1640.35 SUWANEE GA 30024 5 02/18/05 01 0439069865 03 03/24/05 30.0000 2200003047 O 02/24/35 0 9828643 E22/G02 F 208,800.00 ZZ 360 208,402.73 1 6.2500 1285.62 80 6.0000 1285.62 ARVADA CO 80004 1 03/01/05 00 0423167543 05 04/01/05 0.0000 0423167543 N 03/01/35 0 9828765 E22/U57 F 124,100.00 ZZ 360 123,869.51 1 6.3750 774.22 85 6.1250 774.22 FAIRFIELD AL 35064 2 02/25/05 10 0423322668 05 04/01/05 12.0000 0423322668 O 03/01/35 0 9828809 E22/U57 F 100,000.00 ZZ 360 99,818.71 1 6.5000 632.07 80 6.2500 632.07 BROUSSARD LA 70506 1 03/02/05 00 0423364017 05 04/01/05 0.0000 0423364017 O 03/01/35 0 9829421 L20/G02 F 97,920.00 ZZ 360 97,742.48 1 6.5000 618.92 80 6.2500 618.92 SALT LAKE CITYUT 84105 1 02/24/05 00 0439005877 05 04/01/05 0.0000 1031010727 N 03/01/35 0 9830081 E22/G02 F 161,550.00 ZZ 360 161,407.47 1 6.6250 1034.42 90 6.3750 1034.42 GALVESTON TX 77550 1 03/01/05 10 0423336734 05 05/01/05 25.0000 0423336734 N 04/01/35 0 9830123 E22/U57 F 187,530.00 ZZ 360 187,214.00 1 6.8750 1231.94 95 6.6250 1231.94 JOPLIN MO 64801 1 03/03/05 10 0423419951 05 04/01/05 30.0000 0423419951 O 03/01/35 0 9830131 E22/U57 F 123,250.00 ZZ 360 123,135.85 1 6.3750 768.92 85 6.1250 768.92 SAN ANTONIO TX 78249 1 03/03/05 04 0423446335 05 05/01/05 20.0000 0423446335 N 04/01/35 0 9832151 E22/U57 F 128,000.00 ZZ 360 127,386.98 2 6.5000 809.05 80 6.2500 809.05 NEW ORLEANS LA 70130 1 03/04/05 00 0423477595 05 05/01/05 0.0000 0423477595 N 04/01/35 0 9832249 E22/U57 F 437,000.00 ZZ 360 436,614.44 2 6.6250 2798.16 95 6.3750 2798.16 EVERETT MA 02149 1 03/04/05 01 0423094705 05 05/01/05 30.0000 0423094705 O 04/01/35 0 9832251 E22/G02 F 108,000.00 ZZ 360 107,909.27 4 6.8750 709.48 90 6.6250 709.48 BLASDELL NY 14219 2 03/04/05 10 0423096031 05 05/01/05 25.0000 0423096031 N 04/01/35 0 9832257 E22/U57 F 208,000.00 ZZ 360 207,631.95 1 6.6250 1331.85 80 6.3750 1331.85 CHESTERFIELD MO 63017 5 02/28/05 00 0423115302 05 04/01/05 0.0000 0423115302 O 03/01/35 0 9832361 E22/G02 F 313,500.00 ZZ 360 313,202.54 1 6.2500 1930.27 79 6.0000 1930.27 MIRAMAR FL 33029 2 02/28/05 00 0423269604 03 05/01/05 0.0000 0423269604 O 04/01/35 0 9832529 E22/G02 F 104,000.00 ZZ 360 103,811.45 1 6.5000 657.35 80 6.2500 657.35 WALKER LA 70785 1 03/04/05 00 0423431709 05 04/01/05 0.0000 0423431709 O 03/01/35 0 9832543 E22/U57 F 126,300.00 ZZ 360 126,071.04 1 6.5000 798.30 76 6.2500 798.30 PUEBLO CO 81001 5 02/28/05 00 0423445584 05 04/01/05 0.0000 0423445584 O 03/01/35 0 9833161 N74/U57 F 160,550.00 ZZ 360 160,143.03 1 6.8750 1054.70 95 6.6250 1054.70 SPRINGBORO OH 45066 1 02/25/05 01 0439004516 05 03/25/05 30.0000 3300011654 O 02/25/35 0 9833493 E22/U57 F 144,000.00 ZZ 360 143,879.02 1 6.8750 945.98 88 6.6250 945.98 REXBURG ID 83440 5 02/28/05 04 0423438209 05 05/01/05 25.0000 0423438209 O 04/01/35 0 9833513 E22/G02 F 230,000.00 ZZ 360 229,562.40 1 6.2500 1416.15 75 6.0000 1416.15 LINCOLN NE 68516 2 03/01/05 00 0423397330 05 04/01/05 0.0000 0423397330 O 03/01/35 0 9835469 N74/U57 F 114,210.00 T 360 114,007.90 1 6.6250 731.30 90 6.3750 731.30 LITHONIA GA 30058 1 02/25/05 01 0439005430 03 04/01/05 25.0000 2200003069 O 03/01/35 0 9835477 F36/G02 F 144,000.00 ZZ 360 143,860.04 1 6.1250 874.96 51 5.8750 874.96 GRAHAM WA 98338 2 03/01/05 00 0439018532 03 05/01/05 0.0000 06507762 O 04/01/35 0 9835507 A52/G02 F 537,400.00 ZZ 360 536,877.68 1 6.1250 3265.30 73 5.8750 3265.30 DULUTH GA 30097 1 03/07/05 00 0439010216 03 05/01/05 0.0000 32687 O 04/01/35 0 9835573 U85/U57 F 147,900.00 ZZ 360 147,631.87 1 6.5000 934.83 85 6.2500 934.83 BIG LAKE MN 55309 1 03/03/05 11 0439009903 05 04/01/05 20.0000 BENSONMN N 03/01/35 0 9835921 E22/G02 F 337,000.00 ZZ 360 336,656.42 1 5.8750 1993.48 78 5.6250 1993.48 LOS ANGELES CA 91352 5 03/01/05 00 0423314681 05 05/01/05 0.0000 0423314681 O 04/01/35 0 9836075 E22/G02 F 412,236.00 ZZ 360 411,815.71 1 5.8750 2438.53 80 5.6250 2438.53 JACKSONVILLE FL 32256 1 03/08/05 00 0423376813 03 05/01/05 0.0000 0423376813 O 04/01/35 0 9836107 E22/G02 F 165,000.00 ZZ 360 164,847.17 1 6.3750 1029.39 82 6.1250 1029.39 TEKAMAH NE 68061 2 03/03/05 04 0423403260 05 05/01/05 12.0000 0423403260 O 04/01/35 0 9836157 E22/U57 F 274,500.00 ZZ 360 274,263.66 1 6.7500 1780.40 90 6.5000 1780.40 SAINT LOUIS MO 63109 2 03/03/05 10 0423462811 05 05/01/05 25.0000 0423462811 O 04/01/35 0 9836185 E22/U57 F 137,167.00 ZZ 360 137,054.56 1 7.0000 912.58 80 6.7500 912.58 DAYTON NV 89403 1 03/07/05 00 0423482850 09 05/01/05 0.0000 0423482850 N 04/01/35 0 9836189 E22/G02 F 334,400.00 ZZ 360 334,067.10 1 6.0000 2004.90 80 5.7500 2004.90 ROSEBURG OR 97470 5 03/02/05 00 0423488709 05 05/01/05 0.0000 0423488709 O 04/01/35 0 9837401 950/U57 F 166,250.00 ZZ 360 166,113.72 1 7.0000 1106.07 94 6.7500 1106.07 OREM UT 84058 1 02/28/05 14 0439011123 05 05/01/05 30.0000 Y74C007 O 04/01/35 0 9837405 A52/G02 F 357,000.00 ZZ 360 356,270.26 1 5.8750 2111.79 51 5.6250 2111.79 ATLANTA GA 30319 2 02/18/05 00 0439024654 03 04/01/05 0.0000 32405 O 03/01/35 0 9837817 E22/U57 F 98,800.00 ZZ 360 98,719.01 1 7.0000 657.32 95 6.7500 657.32 HOUSTON TX 77083 2 03/04/05 10 0423005644 03 05/01/05 30.0000 0423005644 O 04/01/35 0 9837929 E22/U57 F 142,200.00 ZZ 360 142,074.54 1 6.6250 910.52 90 6.3750 910.52 WILLIAMSTOWN NJ 08094 5 03/04/05 04 0423170596 09 05/01/05 25.0000 0423170596 O 04/01/35 0 9837953 E22/U57 F 100,700.00 ZZ 360 100,526.11 1 6.7500 653.14 95 6.5000 653.14 ATTALLA AL 35954 1 02/25/05 01 0423216357 05 04/01/05 30.0000 0423216357 O 03/01/35 0 9838031 E22/G02 F 120,000.00 ZZ 360 119,894.13 2 6.6250 768.37 72 6.3750 768.37 VICKSBURG MI 49097 2 03/09/05 00 0423382035 05 05/01/05 0.0000 0423382035 N 04/01/35 0 9838035 E22/U57 F 98,000.00 ZZ 360 97,917.67 1 6.8750 643.79 80 6.6250 643.79 GRAWN MI 49637 1 03/09/05 00 0423382530 05 05/01/05 0.0000 0423382530 O 04/01/35 0 9838187 E22/G02 F 105,000.00 ZZ 360 104,900.37 2 6.2500 646.50 75 6.0000 646.50 GREENVILLE NC 27858 2 03/09/05 00 0423550060 05 05/01/05 0.0000 0423550060 N 04/01/35 0 9838249 E82/G02 F 114,400.00 ZZ 360 114,299.06 2 6.6250 732.52 86 6.3750 732.52 ARLINGTON TX 76014 2 03/07/05 04 0401080809 05 05/01/05 25.0000 0401080809 N 04/01/35 0 9838379 Y69/G02 F 117,600.00 ZZ 360 117,381.56 1 6.3750 733.68 80 6.1250 733.68 BEDFORD TX 76021 1 02/25/05 00 0439010588 05 04/01/05 0.0000 3010027429 O 03/01/35 0 9839459 E22/G02 F 225,150.00 ZZ 360 225,150.00 1 5.8750 1102.30 95 5.6250 1102.30 BELLINGHAM WA 98225 2 03/03/05 04 0423401330 05 05/01/05 30.0000 0423401330 O 04/01/35 0 9839537 E22/G02 F 288,000.00 ZZ 360 287,411.30 1 5.8750 1703.63 80 5.6250 1703.63 VICTORVILLE CA 92394 5 02/23/05 00 0423234210 05 04/01/05 0.0000 0423234210 O 03/01/35 0 9839569 E22/G02 F 376,000.00 ZZ 360 375,660.09 1 6.5000 2376.58 80 6.2500 2376.58 MADERA CA 93637 1 03/01/05 00 0422634824 05 05/01/05 0.0000 0422634824 O 04/01/35 0 9839601 E22/U57 F 135,200.00 ZZ 360 135,080.72 1 6.6250 865.70 80 6.3750 865.70 HENDERSONVILLENC 28792 1 03/10/05 00 0423168814 03 05/01/05 0.0000 0423168814 O 04/01/35 0 9839617 E82/G02 F 211,500.00 ZZ 360 211,308.80 1 6.5000 1336.83 85 6.2500 1336.83 DYER IN 46311 2 03/08/05 04 0401083498 05 05/01/05 12.0000 0401083498 O 04/01/35 0 9839735 E82/G02 F 175,900.00 ZZ 360 175,740.98 1 6.5000 1111.81 79 6.2500 1111.81 CIRCLE PINES MN 55014 2 03/04/05 00 0401078522 05 05/01/05 0.0000 0401078522 O 04/01/35 0 9840401 E22/U57 F 104,800.00 ZZ 360 104,707.53 1 6.6250 671.05 80 6.3750 671.05 IONE WA 99139 5 03/04/05 00 0423554344 05 05/01/05 0.0000 0423554344 O 04/01/35 0 9840417 E22/G02 F 168,000.00 ZZ 360 167,844.40 1 6.3750 1048.10 80 6.1250 1048.10 DENVER CO 80223 2 03/07/05 00 0423567783 05 05/01/05 0.0000 0423567783 O 04/01/35 0 9840555 E22/U57 F 320,000.00 ZZ 360 319,717.67 1 6.6250 2049.00 80 6.3750 2049.00 OZONE PARK NY 11420 5 03/07/05 00 0423392661 05 05/01/05 0.0000 0423392661 O 04/01/35 0 9840595 E22/G02 F 187,500.00 ZZ 360 186,845.23 4 6.8750 1231.74 75 6.6250 1231.74 WESTVILLE NJ 08093 1 02/25/05 00 0423346105 05 04/01/05 0.0000 0423346105 N 03/01/35 0 9840621 E22/G02 F 189,600.00 ZZ 360 189,424.39 1 6.3750 1182.86 80 6.1250 1182.86 WALSENBURG CO 81089 1 03/11/05 00 0423291780 03 05/01/05 0.0000 0423291780 O 04/01/35 0 9840627 E22/U57 F 123,750.00 ZZ 360 123,643.45 1 6.7500 802.64 90 6.5000 802.64 KATY TX 77494 2 03/07/05 04 0423296946 05 05/01/05 25.0000 0423296946 O 04/01/35 0 9840675 E22/G02 F 292,875.00 ZZ 360 292,628.95 4 6.8750 1923.98 75 6.6250 1923.98 MIAMI FL 33128 1 03/11/05 00 0423265818 05 05/01/05 0.0000 0423265818 N 04/01/35 0 9840697 E22/U57 F 133,950.00 ZZ 360 133,831.82 1 6.6250 857.70 95 6.3750 857.70 NEW ALBANY IN 47150 5 03/07/05 10 0423148311 05 05/01/05 30.0000 0423148311 O 04/01/35 0 9841073 U85/G02 F 140,000.00 ZZ 360 139,870.33 1 6.3750 873.42 60 6.1250 873.42 CARY IL 60013 1 03/14/05 00 0439047705 05 05/01/05 0.0000 TQS100 N 04/01/35 0 9841097 U85/U57 F 188,257.00 ZZ 360 188,117.29 1 7.5000 1316.32 90 7.2500 1316.32 JEFFERSON WI 53549 1 03/08/05 48 0439049008 05 05/01/05 25.0000 TQSWAUK1031 O 04/01/35 0 9841153 225/225 F 650,000.00 ZZ 360 648,184.32 1 6.3750 4055.15 74 6.1250 4055.15 MONTAUK NY 11954 1 01/28/05 00 5710502 05 03/01/05 0.0000 5710502 O 02/01/35 0 9841177 225/225 F 199,950.00 ZZ 360 199,014.13 1 6.3750 1247.43 80 6.1250 1247.43 RICHMOND VA 23234 1 11/30/04 00 005704995 05 01/01/05 0.0000 005704995 O 12/01/34 0 9841651 E22/G02 F 120,000.00 ZZ 360 119,894.13 2 6.6250 768.37 80 6.3750 768.37 MERRIAM KS 66203 1 03/14/05 00 0423423342 05 05/01/05 0.0000 0423423342 N 04/01/35 0 9841829 E22/U57 F 202,300.00 T 360 202,121.51 1 6.6250 1295.35 85 6.3750 1295.35 MIAMI FL 33193 1 03/14/05 01 0423475144 09 05/01/05 20.0000 0423475144 O 04/01/35 0 9841957 E22/U57 F 211,000.00 ZZ 360 210,827.04 1 7.0000 1403.79 90 6.7500 1403.79 WEST PALM BEACFL 33418 5 03/09/05 10 0423261163 09 05/01/05 25.0000 0423261163 O 04/01/35 0 9842159 E22/G02 F 132,000.00 ZZ 360 131,877.74 1 6.3750 823.51 80 6.1250 823.51 TROY MI 48083 1 03/14/05 00 0423536895 05 05/01/05 0.0000 0423536895 O 04/01/35 0 9842199 E82/G02 F 114,400.00 ZZ 360 114,299.06 4 6.6250 732.52 80 6.3750 732.52 TUSCUMBIA AL 35674 2 03/14/05 00 0401089149 05 05/01/05 0.0000 0401089149 N 04/01/35 0 9845777 E22/G02 F 112,000.00 ZZ 360 111,896.27 1 6.3750 698.73 80 6.1250 698.73 CAMAS WA 98607 1 03/04/05 00 0423453745 05 05/01/05 0.0000 0423453745 O 04/01/35 0 9845779 E22/U57 F 169,600.00 ZZ 360 169,450.36 1 6.6250 1085.97 80 6.3750 1085.97 ENGLEWOOD CO 80110 2 03/10/05 00 0423457993 05 05/01/05 0.0000 0423457993 O 04/01/35 0 9845801 E22/G02 F 107,910.00 ZZ 360 107,817.09 1 6.7500 699.90 90 6.5000 699.90 BLUE RIDGE TX 75424 1 03/15/05 10 0423487081 05 05/01/05 25.0000 0423487081 O 04/01/35 0 9845909 E22/U57 F 212,000.00 TX 360 211,812.96 1 6.6250 1357.46 80 6.3750 1357.46 AZLE TX 76020 5 03/10/05 00 0423590348 05 05/01/05 0.0000 0423590348 O 04/01/35 0 9845919 E22/U57 F 182,834.00 ZZ 360 182,664.66 1 6.3750 1140.65 90 6.1250 1140.65 CAPE CORAL FL 33993 1 03/15/05 01 0423600709 05 05/01/05 25.0000 0423600709 O 04/01/35 0 9846111 E82/G02 F 95,200.00 ZZ 360 95,120.02 2 6.8750 625.40 76 6.6250 625.40 NORWALK OH 44857 2 03/16/05 00 0401084025 05 05/01/05 0.0000 0401084025 N 04/01/35 0 9846479 144/144 F 1,000,000.00 ZZ 360 998,980.45 1 5.8750 5915.38 32 5.6250 5915.38 MONTAUK NY 11954 2 03/10/05 00 02ENICE B1 05 05/01/05 0.0000 02ENICE B1 O 04/01/35 0 9847133 E22/U57 F 214,700.00 ZZ 360 214,528.31 1 7.1250 1446.47 95 6.8750 1446.47 NOBLESVILLE IN 46060 1 03/16/05 04 0423461508 03 05/01/05 30.0000 0423461508 N 04/01/35 0 9847173 E22/U57 F 148,200.00 ZZ 360 148,045.91 1 6.8750 973.57 95 6.6250 973.57 METAIRIE LA 70003 1 03/15/05 10 0423046168 05 05/01/05 30.0000 0423046168 O 04/01/35 0 9847235 E22/U57 F 134,150.00 ZZ 360 134,022.72 1 6.2500 825.98 79 6.0000 825.98 OSCEOLA IN 46561 2 03/11/05 00 0423303031 05 05/01/05 0.0000 0423303031 O 04/01/35 0 9847259 E22/G02 F 147,000.00 ZZ 360 146,870.30 1 6.6250 941.26 75 6.3750 941.26 UNION BEACH NJ 07735 1 03/16/05 00 0423520295 05 05/01/05 0.0000 0423520295 O 04/01/35 0 9847413 E22/U57 F 205,000.00 ZZ 360 204,823.50 1 6.7500 1329.63 88 6.5000 1329.63 LEXINGTON SC 29072 2 03/11/05 04 0423332915 05 05/01/05 25.0000 0423332915 O 04/01/35 0 9847443 E22/G02 F 98,500.00 ZZ 360 98,406.54 1 6.2500 606.48 90 6.0000 606.48 PLEASANTON TX 78064 2 03/11/05 10 0423388073 05 05/01/05 25.0000 0423388073 O 04/01/35 0 9847459 883/G02 F 130,172.00 ZZ 360 130,059.93 1 6.7500 844.29 78 6.5000 844.29 PORT SAINT LUCFL 34952 1 03/08/05 00 0439093600 05 05/01/05 0.0000 48002503 N 04/01/35 0 9848111 Z37/G02 F 116,000.00 ZZ 360 115,831.55 2 7.6250 821.04 73 7.3750 821.04 PHOENIX AZ 85006 5 02/09/05 00 0439089103 05 04/01/05 0.0000 000000925 N 03/01/35 0 9848455 F34/G02 F 97,700.00 ZZ 360 97,607.29 1 6.2500 601.56 80 6.0000 601.56 LAKELAND FL 33810 1 03/10/05 00 0439088303 05 05/01/05 0.0000 4900412406 N 04/01/35 0 9848725 E22/G02 F 236,000.00 ZZ 360 236,000.00 1 6.5000 1278.33 80 6.2500 1278.33 ELK GROVE CA 95624 5 03/11/05 00 0423420348 05 05/01/05 0.0000 0423420348 N 04/01/35 0 9849969 Q72/905 F 650,000.00 ZZ 360 645,093.30 1 6.3750 4055.15 55 6.1250 4055.15 ARROYO GRANDE CA 93420 2 08/05/04 00 45037835 05 10/01/04 0.0000 45037835 O 09/01/34 0 9850021 Q72/905 F 546,000.00 ZZ 360 541,779.09 1 6.2500 3361.82 79 6.0000 3361.82 SILVER SPRING MD 20905 1 08/11/04 00 45375052 05 10/01/04 0.0000 45375052 O 09/01/34 0 9850031 Q72/905 F 384,000.00 ZZ 360 381,169.66 1 6.5000 2427.14 80 6.2500 2427.14 PASO ROBLES CA 93446 5 08/03/04 00 45474111 05 10/01/04 0.0000 45474111 O 09/01/34 0 9850051 Q72/905 F 441,000.00 ZZ 360 437,590.85 1 6.2500 2715.31 57 6.0000 2715.31 NEWPORT BEACH CA 92660 1 08/17/04 00 45577764 01 10/01/04 0.0000 45577764 O 09/01/34 0 9850117 Q72/905 F 500,000.00 ZZ 360 496,134.71 1 6.2500 3078.59 80 6.0000 3078.59 SAN FRANCISCO CA 94134 5 08/13/04 00 45733557 05 10/01/04 0.0000 45733557 O 09/01/34 0 9850905 Q72/905 F 367,200.00 ZZ 360 364,361.38 1 6.2500 2260.91 80 6.0000 2260.91 WARRENTON OR 97146 1 08/06/04 00 45795853 05 10/01/04 0.0000 45795853 O 09/01/34 0 9850939 Q72/905 F 416,000.00 ZZ 360 412,784.13 1 6.2500 2561.38 80 6.0000 2561.38 SHAVER LAKE CA 93664 1 08/30/04 00 46054136 05 10/01/04 0.0000 46054136 O 09/01/34 0 9851059 Q72/905 F 576,000.00 ZZ 360 572,113.99 1 6.2500 3546.53 80 6.0000 3546.53 CAPE MAY NJ 08204 1 09/04/04 00 45927944 05 11/01/04 0.0000 45927944 O 10/01/34 0 9851069 Q72/905 F 469,000.00 ZZ 360 465,374.41 1 6.2500 2887.71 70 6.0000 2887.71 WEST YELLOW MT 59758 1 08/24/04 00 46100012 05 10/01/04 0.0000 46100012 O 09/01/34 0 9851545 Q72/905 F 426,195.00 ZZ 360 422,977.67 1 6.3750 2658.91 75 6.1250 2658.91 BRISTOW VA 20136 5 08/16/04 00 139174189 05 10/01/04 0.0000 139174189 O 09/01/34 0 9851557 Q72/905 F 380,000.00 ZZ 360 376,769.80 1 6.2500 2339.73 72 6.0000 2339.73 MONTGOMERY TX 77356 1 08/30/04 00 139234868 05 10/01/04 0.0000 139234868 O 09/01/34 0 9851577 Q72/905 F 475,000.00 ZZ 360 471,327.97 1 6.2500 2924.66 73 6.0000 2924.66 GAITHERSBURG MD 20878 5 08/24/04 00 139317788 05 10/01/04 0.0000 139317788 O 09/01/34 0 9851583 Q72/905 F 375,000.00 ZZ 360 372,101.04 1 6.2500 2308.94 67 6.0000 2308.94 SAN FRANCISCO CA 94109 2 08/18/04 00 139329171 01 10/01/04 0.0000 139329171 O 09/01/34 0 9852933 Q72/905 F 390,000.00 ZZ 360 386,985.07 1 6.2500 2401.30 60 6.0000 2401.30 STERLING VA 20165 1 09/03/04 00 136931078 05 10/01/04 0.0000 136931078 O 09/01/34 0 9852935 Q72/905 F 424,000.00 ZZ 360 420,722.18 1 6.2500 2610.65 80 6.0000 2610.65 WOODBURY MN 55125 1 08/31/04 00 136994035 05 10/01/04 0.0000 136994035 O 09/01/34 0 9853083 Q72/905 F 527,653.00 ZZ 360 523,788.28 1 6.2500 3248.85 80 6.0000 3248.85 ODENTON MD 21113 1 09/02/04 00 41312844 05 11/01/04 0.0000 41312844 O 10/01/34 0 9853177 Q72/905 F 388,000.00 ZZ 360 384,874.05 1 6.2500 2388.98 80 6.0000 2388.98 OXNARD CA 93035 5 08/16/04 00 41430539 05 10/01/04 0.0000 41430539 O 09/01/34 0 9853293 Q72/905 F 450,400.00 ZZ 360 447,432.93 1 6.3750 2809.91 80 6.1250 2809.91 SOUTH RIDING VA 20152 5 09/03/04 00 44689115 05 11/01/04 0.0000 44689115 O 10/01/34 0 9853523 Q72/905 F 500,000.00 ZZ 360 495,043.29 1 6.2500 3078.59 71 6.0000 3078.59 FLANDERS NJ 07836 1 08/09/04 00 138060488 05 10/01/04 0.0000 138060488 O 09/01/34 0 9853547 Q72/905 F 403,600.00 ZZ 360 400,553.29 1 6.3750 2517.94 56 6.1250 2517.94 HILTON HEAD SC 29928 2 08/16/04 00 138547146 05 10/01/04 0.0000 138547146 O 09/01/34 0 9853725 Q72/905 F 390,000.00 ZZ 360 386,985.07 1 6.2500 2401.30 79 6.0000 2401.30 BERKELEY HEIGHNJ 07922 1 08/16/04 00 138858899 05 10/01/04 0.0000 138858899 O 09/01/34 0 9853737 Q72/905 F 400,000.00 ZZ 360 396,907.78 1 6.2500 2462.87 64 6.0000 2462.87 HUNTINGTON NY 11743 1 08/23/04 00 138606892 05 10/01/04 0.0000 138606892 O 09/01/34 0 9853753 Q72/905 F 391,920.00 ZZ 360 388,961.40 1 6.3750 2445.08 80 6.1250 2445.08 WEST CHESTER PA 19382 1 08/17/04 00 138702279 05 10/01/04 0.0000 138702279 O 09/01/34 0 9853761 Q72/905 F 442,000.00 ZZ 360 438,583.03 1 6.2500 2721.48 80 6.0000 2721.48 ANDOVER MA 01810 1 08/31/04 00 138794045 05 10/01/04 0.0000 138794045 O 09/01/34 0 9853771 Q72/905 F 404,100.00 ZZ 360 401,373.67 1 6.2500 2488.12 90 6.0000 2488.12 PORT CHESTER NY 10573 1 09/01/04 14 138852405 05 11/01/04 30.0000 138852405 O 10/01/34 0 9853781 Q72/905 F 430,000.00 ZZ 360 426,753.92 1 6.3750 2682.65 71 6.1250 2682.65 WHITESTONE NY 11357 1 08/26/04 00 138958301 05 10/01/04 0.0000 138958301 O 09/01/34 0 9853787 Q72/905 F 432,000.00 ZZ 360 428,738.89 1 6.3750 2695.12 80 6.1250 2695.12 WOODCLIFF LAKENJ 07675 1 08/20/04 00 138984026 05 10/01/04 0.0000 138984026 O 09/01/34 0 9853807 Q72/905 F 532,000.00 ZZ 360 527,984.00 1 6.3750 3318.99 80 6.1250 3318.99 ROANOKE TX 76262 1 08/05/04 00 139099451 05 10/01/04 0.0000 139099451 O 09/01/34 0 9853941 Q72/905 F 436,500.00 ZZ 360 431,681.40 1 6.5000 2758.98 67 6.2500 2758.98 ARLINGTON VA 22207 2 08/06/04 00 139108682 05 10/01/04 0.0000 139108682 O 09/01/34 0 9853949 Q72/905 F 480,000.00 ZZ 360 476,376.52 1 6.3750 2994.58 80 6.1250 2994.58 SAN MATEO CA 94401 5 08/02/04 00 139158372 05 10/01/04 0.0000 139158372 O 09/01/34 0 9853963 Q72/905 F 650,000.00 ZZ 360 644,975.10 1 6.2500 4002.17 71 6.0000 4002.17 SCOTTSDALE AZ 85262 1 08/17/04 00 139419022 05 10/01/04 0.0000 139419022 O 09/01/34 0 9853965 Q72/905 F 400,000.00 ZZ 360 396,907.78 1 6.2500 2462.87 71 6.0000 2462.87 BROOKLINE MA 02446 1 08/10/04 00 139446652 01 10/01/04 0.0000 139446652 O 09/01/34 0 9853971 Q72/905 F 424,000.00 ZZ 360 420,722.18 1 6.2500 2610.65 80 6.0000 2610.65 SOUTH LAKE TAHCA 96150 1 08/18/04 00 139266522 05 10/01/04 0.0000 139266522 O 09/01/34 0 9853987 Q72/905 F 400,000.00 ZZ 360 396,907.78 1 6.2500 2462.87 80 6.0000 2462.87 SHAVER LAKE CA 93664 1 08/05/04 00 139319271 05 10/01/04 0.0000 139319271 O 09/01/34 0 9853993 Q72/905 F 364,000.00 ZZ 360 359,766.58 1 6.2500 2241.22 80 6.0000 2241.22 MECHANICSVILLEVA 23116 1 09/01/04 00 139337414 05 11/01/04 0.0000 139337414 O 10/01/34 0 9854001 Q72/905 F 400,000.00 ZZ 360 396,980.44 1 6.3750 2495.48 80 6.1250 2495.48 ARLINGTON VA 22204 1 08/20/04 00 139396196 05 10/01/04 0.0000 139396196 O 09/01/34 0 9854029 Q72/905 F 460,000.00 ZZ 360 456,896.57 1 6.2500 2832.30 80 6.0000 2832.30 SOUTH RIDING VA 20152 1 09/10/04 00 139638688 05 11/01/04 0.0000 139638688 O 10/01/34 0 9854031 Q72/905 F 460,000.00 ZZ 360 456,189.73 1 6.2500 2832.30 80 6.0000 2832.30 OWINGS MILLS MD 21117 5 08/27/04 00 139646376 05 10/01/04 0.0000 139646376 O 09/01/34 0 9854079 Q72/905 F 500,000.00 ZZ 360 496,134.71 1 6.2500 3078.59 79 6.0000 3078.59 CORONA CA 92883 5 08/25/04 00 139775837 05 10/01/04 0.0000 139775837 O 09/01/34 0 9854193 Q72/905 F 399,550.00 ZZ 360 396,461.24 1 6.2500 2460.10 80 6.0000 2460.10 LAKESHORE CA 93634 1 08/12/04 00 45482858 01 10/01/04 0.0000 45482858 O 09/01/34 0 9854801 E22/U57 F 185,600.00 ZZ 360 185,432.21 1 6.5000 1173.12 80 6.2500 1173.12 BRIGHTON CO 80601 1 03/18/05 00 0423516624 05 05/01/05 0.0000 0423516624 O 04/01/35 0 9854859 E22/U57 F 269,520.00 ZZ 360 269,309.75 2 7.2500 1838.60 80 7.0000 1838.60 HUDSON NH 03051 1 03/18/05 00 0423549823 05 05/01/05 0.0000 0423549823 O 04/01/35 0 9854999 E22/G02 F 111,920.00 ZZ 360 111,821.25 1 6.6250 716.64 80 6.3750 716.64 WEST PALM BEACFL 33407 1 03/18/05 00 0423631480 05 05/01/05 0.0000 0423631480 N 04/01/35 0 9855053 E22/G02 F 184,500.00 ZZ 360 184,359.61 4 7.3750 1274.30 90 7.1250 1274.30 GRAND JUNCTIONCO 81504 1 03/15/05 10 0423097278 05 05/01/05 25.0000 0423097278 N 04/01/35 0 9855463 Q30/G02 F 95,900.00 ZZ 360 95,726.14 1 6.5000 606.16 52 6.2500 606.16 WIND GAP PA 18091 1 02/25/05 00 0439083643 05 04/01/05 0.0000 40039457 O 03/01/35 0 9855653 E22/U57 F 325,000.00 ZZ 360 324,713.26 2 6.6250 2081.01 77 6.3750 2081.01 BROOKLYN NY 11208 2 03/16/05 00 0423174390 05 05/01/05 0.0000 0423174390 O 04/01/35 0 9855743 E22/U57 F 400,000.00 ZZ 360 399,672.12 2 7.0000 2661.21 80 6.7500 2661.21 KEARNY NJ 07032 5 03/10/05 00 0423377407 05 05/01/05 0.0000 0423377407 O 04/01/35 0 9855785 E22/U57 F 103,200.00 ZZ 360 103,113.30 1 6.8750 677.95 85 6.6250 677.95 ASHEVILLE NC 28806 1 03/21/05 10 0423428135 05 05/01/05 20.0000 0423428135 N 04/01/35 0 9855807 E22/G02 F 137,000.00 ZZ 360 136,866.84 1 6.1250 832.43 19 5.8750 832.43 BOULDER CO 80302 2 03/16/05 00 0423454396 05 05/01/05 0.0000 0423454396 O 04/01/35 0 9855875 E22/U57 F 162,022.00 ZZ 360 161,898.71 1 7.3750 1119.05 95 7.1250 1119.05 DALLAS TX 75214 1 03/21/05 10 0423509199 05 05/01/05 30.0000 0423509199 N 04/01/35 0 9856061 E22/U57 F 95,520.00 ZZ 360 95,437.76 4 6.7500 619.54 80 6.5000 619.54 WESTLAND MI 48186 1 03/21/05 00 0423660661 05 05/01/05 0.0000 0423660661 N 04/01/35 0 9856063 E22/G02 F 135,500.00 ZZ 360 135,386.16 4 6.8750 890.14 85 6.6250 890.14 YAKIMA WA 98902 2 03/17/05 04 0423664929 05 05/01/05 20.0000 0423664929 N 04/01/35 0 9856065 E22/G02 F 135,500.00 ZZ 360 135,386.16 4 6.8750 890.14 85 6.6250 890.14 YAKIMA WA 98902 2 03/17/05 04 0423665272 05 05/01/05 20.0000 0423665272 N 04/01/35 0 9856067 E22/G02 F 135,500.00 ZZ 360 135,386.16 4 6.8750 890.14 85 6.6250 890.14 YAKIMA WA 98902 2 03/17/05 04 0423665587 05 05/01/05 20.0000 0423665587 N 04/01/35 0 9856069 E22/G02 F 135,500.00 ZZ 360 135,386.16 4 6.8750 890.14 85 6.6250 890.14 YAKIMA WA 98902 2 03/17/05 04 0423665876 05 05/01/05 20.0000 0423665876 N 04/01/35 0 9856101 E82/G02 F 177,600.00 ZZ 360 177,435.51 1 6.3750 1107.99 80 6.1250 1107.99 MEDFORD NJ 08055 2 03/18/05 00 0401072020 05 05/01/05 0.0000 0401072020 O 04/01/35 0 9857885 E22/U57 F 124,000.00 ZZ 360 123,791.05 1 6.8750 814.59 80 6.6250 814.59 DECATUR AL 35603 2 02/18/05 00 0423122753 05 04/01/05 0.0000 0423122753 O 03/01/35 0 9857969 E22/G02 F 160,000.00 ZZ 360 159,855.36 1 6.5000 1011.31 46 6.2500 1011.31 NORTH BABYLON NY 11703 5 03/17/05 00 0423443910 05 05/01/05 0.0000 0423443910 O 04/01/35 0 9858083 E22/U57 F 91,800.00 ZZ 360 91,722.88 1 6.8750 603.06 90 6.6250 603.06 FLINT MI 48504 1 03/22/05 04 0423568609 05 05/01/05 25.0000 0423568609 O 04/01/35 0 9858111 E22/G02 F 106,200.00 ZZ 360 106,110.78 4 6.8750 697.66 90 6.6250 697.66 MISHAWAKA IN 46544 1 03/22/05 04 0423597087 05 05/01/05 25.0000 0423597087 N 04/01/35 0 9859795 A35/G02 F 104,000.00 T 360 103,908.25 1 6.6250 665.92 80 6.3750 665.92 THE VILLAGES FL 32162 1 03/22/05 00 0439101221 03 05/01/05 0.0000 LG18084 O 04/01/35 0 9859945 E22/G02 F 182,400.00 ZZ 360 182,226.93 1 6.2500 1123.07 80 6.0000 1123.07 ABITA SPRINGS LA 70420 1 03/23/05 00 0423102201 05 05/01/05 0.0000 0423102201 O 04/01/35 0 9859949 E22/G02 F 415,000.00 ZZ 360 414,586.87 1 6.0000 2488.13 76 5.7500 2488.13 WOODBURN OR 97071 2 03/18/05 00 0423170539 05 05/01/05 0.0000 0423170539 O 04/01/35 0 9859971 E22/G02 F 140,000.00 ZZ 360 139,885.25 1 7.0000 931.42 88 6.7500 931.42 FORT CALHOUN NE 68023 2 03/18/05 10 0423274208 05 05/01/05 25.0000 0423274208 O 04/01/35 0 9860165 E22/U57 F 139,455.00 T 360 139,343.48 1 7.1250 939.53 90 6.8750 939.53 COEUR D' ALENEID 83814 1 03/18/05 04 0423551522 05 05/01/05 25.0000 0423551522 O 04/01/35 0 9860167 E22/G02 F 202,000.00 ZZ 360 201,817.39 1 6.5000 1276.78 71 6.2500 1276.78 DUNEDIN FL 34698 2 03/18/05 00 0423551548 05 05/01/05 0.0000 0423551548 O 04/01/35 0 9860251 E22/U57 F 114,603.00 ZZ 360 114,314.65 1 6.7500 743.31 95 6.5000 743.31 GONZALES LA 70737 1 03/23/05 04 0423606870 05 05/01/05 30.0000 0423606870 N 04/01/35 0 9860267 E22/U57 F 103,500.00 ZZ 360 103,421.24 1 7.3750 714.85 95 7.1250 714.85 ROSEVILLE MI 48066 1 03/24/05 04 0423614676 05 05/01/05 30.0000 0423614676 N 04/01/35 0 9860313 E22/U57 F 120,869.00 ZZ 360 120,769.93 1 7.0000 804.14 95 6.7500 804.14 AUBREY TX 76227 1 03/23/05 10 0423664861 03 05/01/05 30.0000 0423664861 N 04/01/35 0 9862541 E22/U57 F 122,320.00 ZZ 360 122,224.58 1 7.2500 834.44 80 7.0000 834.44 SOUTHAVEN MS 38671 1 03/24/05 00 0423099449 05 05/01/05 0.0000 0423099449 O 04/01/35 0 9862573 E22/U57 F 218,900.00 ZZ 360 218,702.11 1 6.5000 1383.60 80 6.2500 1383.60 HOUSTON TX 77055 1 03/24/05 00 0423246081 03 05/01/05 0.0000 0423246081 O 04/01/35 0 9862651 E22/G02 F 201,600.00 ZZ 360 201,408.71 1 6.2500 1241.29 90 6.0000 1241.29 SANDPOINT ID 83864 1 03/21/05 10 0423461391 05 05/01/05 25.0000 0423461391 O 04/01/35 0 9863461 A52/G02 F 85,500.00 ZZ 360 85,434.94 1 7.3750 590.53 90 7.1250 590.53 TRAPHILL NC 28685 5 03/24/05 11 0439097791 05 05/01/05 25.0000 32914 O 04/01/35 0 9863501 N74/U57 F 68,000.00 ZZ 360 67,870.62 1 6.2500 418.69 85 6.0000 418.69 NORTH WILKESBONC 28659 2 03/18/05 01 0439095233 05 04/18/05 25.0000 0035981010 N 03/18/35 0 9864553 E22/U57 F 450,000.00 ZZ 360 449,593.19 2 6.5000 2844.31 90 6.2500 2844.31 GUTTENBERG NJ 07093 1 03/03/05 01 0423033851 05 05/01/05 25.0000 0423033851 O 04/01/35 0 9864683 E22/U57 F 295,000.00 ZZ 360 294,720.09 2 6.2500 1816.37 80 6.0000 1816.37 HOPKINS MN 55305 2 03/18/05 00 0423506815 05 05/01/05 0.0000 0423506815 O 04/01/35 0 9864753 E22/U57 F 211,500.00 ZZ 360 211,317.91 1 6.7500 1371.78 90 6.5000 1371.78 TALLAHASSEE FL 32303 5 03/21/05 04 0423571280 05 05/01/05 25.0000 0423571280 O 04/01/35 0 9865181 975/U57 F 382,500.00 ZZ 360 382,162.53 4 6.6250 2449.19 75 6.3750 2449.19 POMONA CA 91766 1 03/17/05 00 0439101049 05 05/01/05 0.0000 2050957 N 04/01/35 0 9866043 A52/G02 F 218,500.00 ZZ 360 218,307.22 1 6.6250 1399.08 95 6.3750 1399.08 CAPE CORAL FL 33904 1 03/21/05 11 0439102666 05 05/01/05 30.0000 32894 O 04/01/35 0 9866431 E22/U57 F 199,000.00 ZZ 360 198,724.43 1 6.6250 1274.22 67 6.3750 1274.22 STAMFORD CT 06902 1 03/28/05 00 0422522342 01 05/01/05 0.0000 0422522342 O 04/01/35 0 9866437 E22/U57 F 248,000.00 ZZ 360 248,000.00 1 6.6250 1369.17 80 6.3750 1369.17 EDMOND OK 73003 1 03/28/05 00 0422758474 05 05/01/05 0.0000 0422758474 O 04/01/35 0 9866449 E22/U57 F 254,700.00 ZZ 360 254,506.19 1 7.3750 1759.15 90 7.1250 1759.15 NORTH PORT FL 34288 5 03/23/05 10 0423135441 05 05/01/05 25.0000 0423135441 O 04/01/35 0 9866451 E22/G02 F 150,000.00 ZZ 360 149,864.40 1 6.5000 948.10 60 6.2500 948.10 BONITA SPRINGSFL 34135 5 03/23/05 00 0423136522 05 05/01/05 0.0000 0423136522 O 04/01/35 0 9866463 E22/U57 F 160,000.00 ZZ 360 159,862.24 1 6.7500 1037.76 80 6.5000 1037.76 VILLA RIDGE MO 63089 1 03/28/05 00 0423231497 05 05/01/05 0.0000 0423231497 O 04/01/35 0 9866497 E22/U57 F 188,000.00 ZZ 360 187,825.87 1 6.3750 1172.88 80 6.1250 1172.88 MILFORD CT 06460 1 03/28/05 00 0423333152 05 05/01/05 0.0000 0423333152 O 04/01/35 0 9866525 E22/G02 F 97,600.00 ZZ 360 97,509.60 1 6.3750 608.90 80 6.1250 608.90 DELTONA FL 32738 2 03/23/05 00 0423392620 05 05/01/05 0.0000 0423392620 O 04/01/35 0 9866529 E22/G02 F 240,000.00 ZZ 360 239,755.31 1 5.8750 1419.69 80 5.6250 1419.69 MIAMI SHORES FL 33168 5 03/22/05 00 0423401827 05 05/01/05 0.0000 0423401827 O 04/01/35 0 9866553 E22/U57 F 120,000.00 ZZ 360 119,895.40 1 6.8750 788.31 93 6.6250 788.31 STONINGTON CT 06379 1 03/29/05 01 0423434760 05 05/01/05 30.0000 0423434760 O 04/01/35 0 9866685 E22/U57 F 139,200.00 ZZ 360 139,077.19 1 6.6250 891.31 80 6.3750 891.31 SHASTA LAKE CA 96019 5 03/16/05 00 0423539261 05 05/01/05 0.0000 0423539261 O 04/01/35 0 9866753 E22/U57 F 98,400.00 ZZ 360 98,315.28 1 6.7500 638.22 80 6.5000 638.22 PINSON AL 35126 1 03/28/05 00 0423568641 05 05/01/05 0.0000 0423568641 O 04/01/35 0 9866781 E22/U57 F 394,000.00 ZZ 360 393,635.08 1 6.3750 2458.05 95 6.1250 2458.05 AVON CT 06001 1 03/28/05 01 0423590710 05 05/01/05 30.0000 0423590710 O 04/01/35 0 9866789 E22/G02 F 133,600.00 ZZ 360 133,476.26 1 6.3750 833.49 80 6.1250 833.49 CHANDLER AZ 85225 1 03/15/05 00 0423593771 05 05/01/05 0.0000 0423593771 O 04/01/35 0 9866819 E22/G02 F 173,500.00 ZZ 360 173,327.28 1 6.0000 1040.22 58 5.7500 1040.22 RICHMOND VA 23235 2 03/23/05 00 0423616986 05 05/01/05 0.0000 0423616986 O 04/01/35 0 9866867 E22/G02 F 107,500.00 ZZ 360 107,405.16 2 6.6250 688.33 78 6.3750 688.33 PUEBLO CO 81001 2 03/28/05 00 0423655133 05 05/01/05 0.0000 0423655133 N 04/01/35 0 9866905 E22/G02 F 323,000.00 ZZ 360 322,708.00 1 6.5000 2041.58 95 6.2500 2041.58 BREMERTON WA 98312 5 03/23/05 01 0423686963 05 05/01/05 30.0000 0423686963 O 04/01/35 0 9866957 E22/U57 F 103,800.00 ZZ 360 103,703.86 1 6.3750 647.58 80 6.1250 647.58 COEUR D ALENE ID 83815 1 03/25/05 00 0423714377 05 05/01/05 0.0000 0423714377 O 04/01/35 0 9867025 E82/G02 F 98,200.00 ZZ 360 98,099.88 1 5.8750 580.89 85 5.6250 580.89 CHARLOTTE NC 28262 2 03/28/05 04 0401102264 05 05/01/05 20.0000 0401102264 N 04/01/35 0 9867065 E82/G02 F 111,100.00 ZZ 360 111,004.35 1 6.7500 720.59 95 6.5000 720.59 PLEASANTON KS 66075 2 03/25/05 04 0401098280 05 05/01/05 30.0000 0401098280 O 04/01/35 0 9867079 E82/G02 F 207,300.00 ZZ 360 207,103.31 1 6.2500 1276.38 75 6.0000 1276.38 GREENBRIER TN 37073 2 03/24/05 00 0401104401 05 05/01/05 0.0000 0401104401 O 04/01/35 0 9867555 U85/U57 F 102,000.00 ZZ 360 101,907.79 1 6.5000 644.71 85 6.2500 644.71 LE CLAIRE IA 52753 1 03/24/05 10 0439101247 05 05/01/05 12.0000 TQSOBERMAN O 04/01/35 0 9867569 N74/G02 F 200,000.00 ZZ 360 199,619.49 1 6.2500 1231.43 65 6.0000 1231.43 JACKSON TN 38305 1 03/21/05 00 0439101767 05 04/21/05 0.0000 2200003166 O 03/21/35 0 9868007 Y78/U57 F 77,900.00 ZZ 360 77,834.55 1 6.8750 511.75 95 6.6250 511.75 LOUISVILLE KY 40216 1 03/25/05 12 0439102740 05 05/01/05 30.0000 19481463 N 04/01/35 0 9868071 253/253 F 208,000.00 ZZ 360 207,792.93 1 6.0000 1247.07 80 5.7500 1247.07 SPRINGFIELD VA 22152 1 03/16/05 00 379764 01 05/01/05 0.0000 379764 O 04/01/35 0 9868149 E22/U57 F 150,000.00 ZZ 360 150,000.00 1 6.2500 781.25 74 6.0000 781.25 LOVELAND CO 80537 2 03/24/05 00 0423687318 05 05/01/05 0.0000 0423687318 O 04/01/35 0 9868163 E22/U57 F 85,950.00 ZZ 360 85,882.95 1 7.2500 586.33 90 7.0000 586.33 NEWPORT NEWS VA 23607 5 03/29/05 10 0423696483 05 05/01/05 25.0000 0423696483 N 04/01/35 0 9868197 E22/G02 F 184,500.00 ZZ 360 184,356.07 2 7.2500 1258.62 90 7.0000 1258.62 WACO TX 76706 1 03/25/05 10 0423715358 05 05/01/05 25.0000 0423715358 N 04/01/35 0 9868259 E22/U57 F 63,500.00 ZZ 360 63,443.97 1 6.6250 406.60 90 6.3750 406.60 EAST ST. LOUISIL 62204 2 03/25/05 10 0423765353 05 05/01/05 25.0000 0423765353 O 04/01/35 0 9868375 E22/U57 F 111,530.00 ZZ 360 111,424.18 1 6.2500 686.71 95 6.0000 686.71 NASHVILLE TN 37206 1 03/17/05 04 0423403047 05 05/01/05 30.0000 0423403047 O 04/01/35 0 9868379 E22/U57 F 117,000.00 ZZ 360 116,896.78 1 6.6250 749.16 89 6.3750 749.16 MISSOURI CITY TX 77489 2 03/24/05 04 0423412386 03 05/01/05 25.0000 0423412386 O 04/01/35 0 9868391 E22/U57 F 336,600.00 ZZ 360 336,280.62 2 6.2500 2072.50 85 6.0000 2072.50 UNION CITY NJ 07087 5 03/24/05 11 0423439132 05 05/01/05 12.0000 0423439132 O 04/01/35 0 9868453 E22/U57 F 390,000.00 ZZ 360 389,629.95 2 6.2500 2401.30 65 6.0000 2401.30 SANTA ANA CA 92706 5 03/18/05 00 0423485119 05 05/01/05 0.0000 0423485119 O 04/01/35 0 9868469 E22/U57 F 124,000.00 ZZ 360 123,887.91 1 6.5000 783.76 80 6.2500 783.76 MARIETTA GA 30066 2 03/22/05 00 0423506021 05 05/01/05 0.0000 0423506021 O 04/01/35 0 9868501 E22/G02 F 334,000.00 ZZ 360 333,683.08 1 6.2500 2056.50 61 6.0000 2056.50 LAKESIDE CA 92040 2 03/09/05 00 0423655828 05 05/01/05 0.0000 0423655828 O 04/01/35 0 9868537 E22/U57 F 87,000.00 ZZ 360 86,919.42 1 6.3750 542.77 80 6.1250 542.77 MILFORD ME 04461 5 03/24/05 00 0423542638 05 05/01/05 0.0000 0423542638 O 04/01/35 0 9868559 E22/U57 F 118,400.00 ZZ 360 118,305.32 1 7.1250 797.68 80 6.8750 797.68 LOUISIANA MO 63353 5 03/24/05 00 0423569094 05 05/01/05 0.0000 0423569094 O 04/01/35 0 9868571 E22/U57 F 104,800.00 ZZ 360 104,709.77 1 6.7500 679.73 80 6.5000 679.73 CORPUS CHRISTITX 78418 1 03/28/05 00 0423578772 03 05/01/05 0.0000 0423578772 O 04/01/35 0 9868573 E22/U57 F 170,000.00 ZZ 360 169,864.06 1 7.1250 1145.32 79 6.8750 1145.32 MARION NC 28752 2 03/29/05 00 0423578822 05 05/01/05 0.0000 0423578822 O 04/01/35 0 9868593 E22/U57 F 149,200.00 ZZ 360 149,065.12 1 6.5000 943.05 80 6.2500 943.05 DENVER CO 80219 1 03/29/05 00 0423591825 05 05/01/05 0.0000 0423591825 O 04/01/35 0 9869035 A52/U57 F 167,900.00 ZZ 360 167,744.49 1 6.3750 1047.48 80 6.1250 1047.48 WOODSTOCK GA 30189 1 03/30/05 00 0439110016 03 05/01/05 0.0000 32776 O 04/01/35 0 9869089 T29/G02 F 48,000.00 ZZ 360 47,954.45 1 6.2500 295.55 40 6.0000 295.55 PHOENIX AZ 85051 1 03/16/05 00 0439100355 05 05/01/05 0.0000 0001612239 N 04/01/35 0 9869129 Q87/G02 F 110,500.00 TX 360 110,299.66 1 6.5000 698.44 56 6.2500 698.44 AUSTIN TX 78757 5 02/28/05 00 0439101254 05 04/04/05 0.0000 BAPO01 O 03/04/35 0 9869143 S27/G02 F 60,000.00 ZZ 360 59,945.75 1 6.5000 379.25 80 6.2500 379.25 WINCHESTER TN 37398 5 03/22/05 00 0439102716 05 05/01/05 0.0000 1900010529 O 04/01/35 0 9869417 E22/U57 F 650,000.00 ZZ 360 649,321.36 1 5.7500 3793.22 67 5.5000 3793.22 VERO BEACH FL 32963 5 03/25/05 00 0423280700 05 05/01/05 0.0000 0423280700 O 04/01/35 0 9869469 E22/U57 F 424,000.00 ZZ 360 423,587.90 1 6.1250 2576.27 80 5.8750 2576.27 RAMONA CA 92065 5 03/24/05 00 0423393578 03 05/01/05 0.0000 0423393578 O 04/01/35 0 9869473 E22/G02 F 320,000.00 ZZ 360 319,703.62 3 6.3750 1996.38 80 6.1250 1996.38 PHILADELPHIA PA 19147 1 03/30/05 00 0423397173 05 05/01/05 0.0000 0423397173 N 04/01/35 0 9869475 E22/G02 F 320,000.00 ZZ 360 319,703.62 4 6.3750 1996.38 80 6.1250 1996.38 PHILADELPHIA PA 19147 1 03/30/05 00 0423397421 05 05/01/05 0.0000 0423397421 N 04/01/35 0 9869477 E22/G02 F 320,000.00 ZZ 360 319,703.62 3 6.3750 1996.38 80 6.1250 1996.38 PHILADELPHIA PA 19147 1 03/30/05 00 0423397504 05 05/01/05 0.0000 0423397504 N 04/01/35 0 9869505 E22/G02 F 228,000.00 T 360 228,000.00 1 6.0000 1140.00 80 5.7500 1140.00 PORT SAINT LUCFL 34983 1 03/30/05 00 0423442714 03 05/01/05 0.0000 0423442714 O 04/01/35 0 9869507 E22/U57 F 152,000.00 ZZ 360 151,875.41 1 7.0000 1011.26 95 6.7500 1011.26 VERO BEACH FL 32962 1 03/30/05 10 0423444264 05 05/01/05 30.0000 0423444264 O 04/01/35 0 9869517 E22/G02 F 175,000.00 ZZ 360 174,849.33 1 6.7500 1135.05 73 6.5000 1135.05 NICEVILLE FL 32578 2 03/25/05 00 0423457787 05 05/01/05 0.0000 0423457787 O 04/01/35 0 9869541 E22/U57 F 90,000.00 ZZ 360 89,931.51 2 7.3750 621.61 90 7.1250 621.61 NEW ORLEANS LA 70118 1 03/30/05 10 0423481217 05 05/01/05 25.0000 0423481217 N 04/01/35 0 9869547 E22/U57 F 232,000.00 ZZ 360 231,785.12 1 6.3750 1447.38 80 6.1250 1447.38 BAY SHORE NY 11706 5 03/25/05 00 0423485606 05 05/01/05 0.0000 0423485606 O 04/01/35 0 9869581 E22/G02 F 133,800.00 T 360 133,679.04 1 6.5000 845.71 69 6.2500 845.71 CAPE CORAL FL 33909 2 03/30/05 00 0423514744 05 05/01/05 0.0000 0423514744 O 04/01/35 0 9869589 E22/U57 F 50,000.00 ZZ 360 49,952.56 1 6.2500 307.86 71 6.0000 307.86 OWENSBORO KY 42303 2 03/30/05 00 0423517770 05 05/01/05 0.0000 0423517770 N 04/01/35 0 9869593 E22/G02 F 323,000.00 ZZ 360 323,000.00 1 6.2500 1682.29 85 6.0000 1682.29 SEATTLE WA 98106 2 03/24/05 04 0423518851 05 05/01/05 12.0000 0423518851 O 04/01/35 0 9869625 E22/U57 F 107,200.00 ZZ 360 107,120.44 1 7.5000 749.56 80 7.2500 749.56 PALMYRA NJ 08065 1 03/30/05 00 0423542737 05 05/01/05 0.0000 0423542737 O 04/01/35 0 9869633 E22/U57 F 116,000.00 ZZ 360 115,900.13 1 6.7500 752.37 80 6.5000 752.37 LAKEWOOD WA 98498 5 03/25/05 00 0423547561 05 05/01/05 0.0000 0423547561 O 04/01/35 0 9869637 E22/U57 F 145,700.00 ZZ 360 145,561.75 1 6.2500 897.10 73 6.0000 897.10 BALLWIN MO 63021 2 03/25/05 00 0423548726 03 05/01/05 0.0000 0423548726 O 04/01/35 0 9869701 E22/U57 F 176,000.00 ZZ 360 176,000.00 1 6.5000 953.33 80 6.2500 953.33 BOYNTON BEACH FL 33437 1 03/30/05 00 0423575240 01 05/01/05 0.0000 0423575240 N 04/01/35 0 9869713 E22/U57 F 118,750.00 ZZ 360 118,750.00 1 6.2500 618.49 95 6.0000 618.49 SIMPSONVILLE SC 29680 2 03/25/05 04 0423582618 03 05/01/05 30.0000 0423582618 O 04/01/35 0 9869741 E22/U57 F 255,000.00 ZZ 360 254,758.04 1 6.2500 1570.08 57 6.0000 1570.08 ALTADENA CA 91001 5 03/21/05 00 0423603588 05 05/01/05 0.0000 0423603588 O 04/01/35 0 9869747 E22/U57 F 111,000.00 ZZ 360 110,913.41 1 7.2500 757.22 95 7.0000 757.22 COLONIAL HEIGHVA 23834 1 03/30/05 04 0423606441 05 05/01/05 30.0000 0423606441 N 04/01/35 0 9869753 E22/U57 F 240,000.00 ZZ 360 239,793.36 1 6.7500 1556.64 80 6.5000 1556.64 SPRING HILL KS 66083 5 03/23/05 00 0423608421 05 05/01/05 0.0000 0423608421 O 04/01/35 0 9869773 E22/G02 F 100,000.00 ZZ 360 99,909.60 1 6.5000 632.07 58 6.2500 632.07 FREDERICKSBURGTX 78624 4 03/28/05 00 0423615947 05 05/01/05 0.0000 0423615947 O 04/01/35 0 9869787 E22/U57 F 186,000.00 ZZ 360 185,992.72 1 6.0000 930.00 80 5.7500 930.00 UNIVERSITY PLAWA 98467 1 03/25/05 00 0423626852 03 05/01/05 0.0000 0423626852 O 04/01/35 0 9869793 E22/U57 F 55,920.00 ZZ 360 55,870.66 1 6.6250 358.06 80 6.3750 358.06 IRVINGTON AL 36544 1 03/30/05 00 0423628205 05 05/01/05 0.0000 0423628205 O 04/01/35 0 9869819 E22/U57 F 136,000.00 ZZ 360 136,000.00 1 6.7500 765.00 80 6.5000 765.00 PALM COAST FL 32137 1 03/30/05 00 0423646066 05 05/01/05 0.0000 0423646066 O 04/01/35 0 9869845 E22/U57 F 398,400.00 ZZ 360 397,993.81 1 5.8750 2356.69 80 5.6250 2356.69 SEATTLE WA 98115 5 03/24/05 00 0423654995 05 05/01/05 0.0000 0423654995 O 04/01/35 0 9869863 E22/G02 F 97,500.00 ZZ 360 97,418.08 4 6.8750 640.51 75 6.6250 640.51 BRYAN TX 77801 2 03/30/05 00 0423662089 05 05/01/05 0.0000 0423662089 N 04/01/35 0 9869941 E22/U57 F 142,800.00 ZZ 360 142,674.01 1 6.6250 914.36 80 6.3750 914.36 RIVER FALLS WI 54022 1 03/31/05 00 0423727403 05 05/01/05 0.0000 0423727403 O 04/01/35 0 9869967 E22/U57 F 400,000.00 ZZ 360 399,620.46 1 6.2500 2462.87 80 6.0000 2462.87 SAN JOSE CA 95123 5 03/21/05 00 0423739952 03 05/01/05 0.0000 0423739952 O 04/01/35 0 9869989 E22/G02 F 370,000.00 ZZ 360 369,648.93 1 6.2500 2278.15 79 6.0000 2278.15 LYNDEN WA 98264 1 03/24/05 00 0423751858 05 05/01/05 0.0000 0423751858 O 04/01/35 0 9870017 E22/U57 F 64,800.00 ZZ 360 64,744.21 1 6.7500 420.29 90 6.5000 420.29 HOKES BLUFF AL 35903 2 03/25/05 01 0423764943 05 05/01/05 25.0000 0423764943 O 04/01/35 0 9870047 E22/U57 F 58,700.00 ZZ 360 58,651.89 1 7.0000 390.53 80 6.7500 390.53 SAN ANTONIO TX 78227 1 03/30/05 00 0423791086 05 05/01/05 0.0000 0423791086 O 04/01/35 0 9870061 E22/U57 F 57,950.00 T 360 57,903.66 1 7.1250 390.42 95 6.8750 390.42 BRANSON MO 65616 1 03/30/05 04 0423796481 01 05/01/05 30.0000 0423796481 O 04/01/35 0 9870093 E22/U57 F 128,250.00 ZZ 360 128,136.85 1 6.6250 821.20 95 6.3750 821.20 OTIS ORCHARDS WA 99027 5 03/23/05 01 0423694587 05 05/01/05 30.0000 0423694587 O 04/01/35 0 9870117 E22/U57 F 212,000.00 ZZ 360 211,821.89 1 6.8750 1392.69 80 6.6250 1392.69 FORT LAUDERDALFL 33317 1 03/30/05 00 0423057868 05 05/01/05 0.0000 0423057868 O 04/01/35 0 9870167 E82/G02 F 174,000.00 ZZ 360 173,838.84 1 6.3750 1085.54 77 6.1250 1085.54 BROOMFIELD CO 80020 2 03/28/05 00 0401106711 05 05/01/05 0.0000 0401106711 O 04/01/35 0 9871179 N67/U57 F 212,000.00 ZZ 360 211,812.96 1 6.6250 1357.46 80 6.3750 1357.46 COTTONWOOD AZ 86326 1 03/23/05 00 0439109794 03 05/01/05 0.0000 1760300911 O 04/01/35 0 9871391 A46/G02 F 93,000.00 ZZ 360 92,911.75 1 6.2500 572.62 33 6.0000 572.62 AUSTIN TX 78734 2 03/24/05 00 0439107095 05 05/01/05 0.0000 0784222 O 04/01/35 0 9871601 P01/U57 F 77,600.00 ZZ 360 77,529.85 2 6.5000 490.48 80 6.2500 490.48 SCHENECTADY NY 12305 1 03/29/05 00 0439107244 05 05/01/05 0.0000 05000713 N 04/01/35 0 9871821 E22/G02 F 165,600.00 ZZ 360 165,450.30 1 6.5000 1046.70 80 6.2500 1046.70 GILBERT AZ 85233 1 03/25/05 00 0423671650 03 05/01/05 0.0000 0423671650 N 04/01/35 0 9871839 E22/U57 F 73,432.00 ZZ 360 73,371.81 1 7.0000 488.54 80 6.7500 488.54 BAYTOWN TX 77521 1 03/31/05 00 0423679604 05 05/01/05 0.0000 0423679604 O 04/01/35 0 9871849 E22/U57 F 90,000.00 ZZ 360 89,916.65 1 6.3750 561.48 80 6.1250 561.48 CONYERS GA 30094 1 03/31/05 00 0423684810 05 05/01/05 0.0000 0423684810 O 04/01/35 0 9871861 E22/G02 F 112,500.00 ZZ 360 112,407.78 1 7.0000 748.47 90 6.7500 748.47 PLANT CITY FL 33563 1 03/31/05 10 0423694231 05 05/01/05 25.0000 0423694231 O 04/01/35 0 9871871 E22/U57 F 144,000.00 ZZ 360 143,890.43 2 7.3750 994.57 95 7.1250 994.57 COVINGTON LA 70433 2 03/31/05 10 0423696855 05 05/01/05 30.0000 0423696855 N 04/01/35 0 9871875 E22/U57 F 460,000.00 ZZ 360 459,563.53 1 6.2500 2832.30 66 6.0000 2832.30 CHICO CA 95973 5 03/25/05 00 0423699024 05 05/01/05 0.0000 0423699024 O 04/01/35 0 9871877 E22/U57 F 141,640.00 ZZ 360 141,540.03 1 7.7500 1014.73 80 7.5000 1014.73 GARDNER KS 66030 1 03/30/05 00 0423699222 05 05/01/05 0.0000 0423699222 O 04/01/35 0 9871887 E22/U57 F 146,400.00 ZZ 360 146,270.83 1 6.6250 937.42 80 6.3750 937.42 NEW CASTLE DE 19720 1 03/31/05 00 0423703479 05 05/01/05 0.0000 0423703479 O 04/01/35 0 9871897 E22/U57 F 155,250.00 ZZ 360 155,106.21 1 6.3750 968.56 75 6.1250 968.56 MODESTO CA 95351 5 03/15/05 00 0423707504 05 05/01/05 0.0000 0423707504 O 04/01/35 0 9871913 E22/U57 F 50,400.00 ZZ 360 50,358.69 1 7.0000 335.31 90 6.7500 335.31 WICHITA KS 67208 5 03/31/05 04 0423712363 05 05/01/05 25.0000 0423712363 N 04/01/35 0 9871927 E22/G02 F 144,000.00 ZZ 360 143,876.02 2 6.7500 933.98 80 6.5000 933.98 TROY VA 22974 1 03/31/05 00 0423719079 05 05/01/05 0.0000 0423719079 N 04/01/35 0 9872017 E22/G02 F 193,500.00 ZZ 360 193,329.28 4 6.6250 1239.00 75 6.3750 1239.00 MANDEVILLE LA 70448 1 03/31/05 00 0423765205 05 05/01/05 0.0000 0423765205 N 04/01/35 0 9872047 E22/U57 F 144,156.00 ZZ 360 144,025.69 1 6.5000 911.16 80 6.2500 911.16 MONTROSE CO 81401 1 03/31/05 00 0423784099 03 05/01/05 0.0000 0423784099 O 04/01/35 0 9872183 E22/G02 F 207,400.00 ZZ 360 207,214.01 1 6.6250 1328.00 85 6.3750 1328.00 AIKEN SC 29803 2 03/18/05 04 0423317551 05 05/01/05 25.0000 0423317551 O 04/01/35 0 9872323 E22/U57 F 159,920.00 ZZ 360 159,920.00 2 6.5000 1010.80 80 6.2500 1010.80 SPRINGFIELD OR 97477 1 03/29/05 00 0423567247 05 06/01/05 0.0000 0423567247 N 05/01/35 0 9872329 E22/U57 F 196,650.00 ZZ 360 196,472.23 2 6.5000 1242.96 95 6.2500 1242.96 COVINGTON LA 70433 1 03/31/05 01 0423569847 05 05/01/05 30.0000 0423569847 O 04/01/35 0 9872331 E22/G02 F 66,800.00 ZZ 360 66,738.13 1 6.3750 416.75 80 6.1250 416.75 DENVER CO 80211 1 03/31/05 00 0423570092 08 05/01/05 0.0000 0423570092 N 04/01/35 0 9872359 E22/U57 F 90,535.00 ZZ 360 90,451.15 1 6.3750 564.82 95 6.1250 564.82 MARRERO LA 70072 1 03/31/05 01 0423585264 05 05/01/05 30.0000 0423585264 O 04/01/35 0 9872367 E22/U57 F 259,950.00 ZZ 360 259,709.23 1 6.3750 1621.75 80 6.1250 1621.75 SEATTLE WA 98178 1 03/24/05 00 0423591676 05 05/01/05 0.0000 0423591676 O 04/01/35 0 9872425 E22/U57 F 140,000.00 ZZ 360 139,879.46 1 6.7500 908.04 80 6.5000 908.04 GROTON CT 06340 1 03/31/05 00 0423407741 05 05/01/05 0.0000 0423407741 O 04/01/35 0 9872441 E22/G02 F 552,000.00 ZZ 360 551,449.48 1 6.0000 2760.00 80 5.7500 2760.00 THOUSAND OAKS CA 91320 5 03/24/05 00 0423421387 05 05/01/05 0.0000 0423421387 O 04/01/35 0 9872467 E22/U57 F 203,000.00 ZZ 360 203,000.00 1 6.3750 1078.44 83 6.1250 1078.44 LITCHFIELD PARAZ 85340 5 03/23/05 04 0423631761 03 05/01/05 12.0000 0423631761 O 04/01/35 0 9872481 E22/U57 F 228,800.00 ZZ 360 228,598.14 1 6.6250 1465.03 80 6.3750 1465.03 HAMDEN CT 06514 1 03/31/05 00 0423354836 05 05/01/05 0.0000 0423354836 O 04/01/35 0 9872483 E22/G02 F 128,250.00 ZZ 360 128,139.58 1 6.7500 831.83 95 6.5000 831.83 DENTON TX 76210 1 03/31/05 10 0423363258 03 05/01/05 35.0000 0423363258 O 04/01/35 0 9872517 E22/U57 F 135,920.00 ZZ 360 135,805.81 1 6.8750 892.90 80 6.6250 892.90 WATERLOO NE 68069 1 03/31/05 00 0423637685 07 05/01/05 0.0000 0423637685 O 04/01/35 0 9872573 E22/U57 F 83,125.00 ZZ 360 83,060.15 1 7.2500 567.06 95 7.0000 567.06 CONVERSE TX 78109 1 03/31/05 10 0423666742 05 05/01/05 30.0000 0423666742 N 04/01/35 0 9872577 E22/G02 F 136,160.00 ZZ 360 136,039.87 1 6.6250 871.85 80 6.3750 871.85 PUEBLO CO 81003 1 03/31/05 00 0423668144 05 05/01/05 0.0000 0423668144 O 04/01/35 0 9872583 E22/U57 F 103,550.00 ZZ 360 103,334.24 1 6.6250 663.04 95 6.3750 663.04 HOLLYWOOD FL 33023 1 03/31/05 10 0423669118 01 05/01/05 30.0000 0423669118 O 04/01/35 0 9872915 U05/G02 F 98,000.00 ZZ 360 97,907.02 1 6.2500 603.40 76 6.0000 603.40 ALEXANDRIA KY 41001 2 03/25/05 00 0439185000 05 05/01/05 0.0000 3000726596 N 04/01/35 0 9872941 U05/G02 F 73,000.00 ZZ 360 72,930.74 1 6.2500 449.47 74 6.0000 449.47 ALEXANDRIA KY 41001 2 03/25/05 00 0439184904 05 05/01/05 0.0000 3000726584 N 04/01/35 0 9873005 U85/U57 F 89,000.00 ZZ 360 88,919.54 1 6.5000 562.54 50 6.2500 562.54 INDIANAPOLIS IN 46239 5 03/30/05 00 0439113549 05 05/01/05 0.0000 TQS244 O 04/01/35 0 9873083 M37/G02 F 224,000.00 ZZ 360 223,802.37 3 6.6250 1434.30 80 6.3750 1434.30 FLAGSTAFF AZ 86004 1 03/25/05 00 0439133067 05 05/01/05 0.0000 992GOBEILN N 04/01/35 0 9873115 Y78/G02 F 94,400.00 ZZ 360 94,318.72 1 6.7500 612.28 80 6.5000 612.28 LOUISVILLE KY 40203 1 03/30/05 00 0439107541 05 05/01/05 0.0000 91538257 O 04/01/35 0 9873119 A46/G02 F 112,000.00 ZZ 360 111,893.72 1 6.2500 689.61 80 6.0000 689.61 BRENHAM TX 77833 1 03/23/05 00 0439114018 05 05/01/05 0.0000 0302161 O 04/01/35 0 9873413 E22/U57 F 660,000.00 ZZ 360 659,310.92 1 5.7500 3851.58 80 5.5000 3851.58 CHELAN WA 98816 1 03/15/05 00 0423419035 05 05/01/05 0.0000 0423419035 O 04/01/35 0 9873417 E22/U57 F 84,800.00 ZZ 360 84,719.54 1 6.2500 522.13 80 6.0000 522.13 LUCK WI 54853 1 04/01/05 00 0423436864 05 05/01/05 0.0000 0423436864 O 04/01/35 0 9873419 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 6.2500 615.72 80 6.0000 615.72 KENNEWICK WA 99337 1 03/31/05 00 0423444918 05 06/01/05 0.0000 0423444918 O 05/01/35 0 9873455 E22/U57 F 75,000.00 ZZ 360 75,000.00 2 6.8750 492.70 72 6.6250 492.70 WATERVILLE ME 04901 2 04/01/05 00 0423490028 05 06/01/05 0.0000 0423490028 N 05/01/35 0 9873485 E22/U57 F 175,000.00 ZZ 360 175,000.00 1 5.6250 820.31 55 5.3750 820.31 WOODINVILLE WA 98072 2 03/25/05 00 0423547264 05 05/01/05 0.0000 0423547264 O 04/01/35 0 9873499 E22/U57 F 106,400.00 ZZ 360 106,400.00 1 6.6250 681.29 80 6.3750 681.29 DENVER CO 80219 1 04/01/05 00 0423568633 09 06/01/05 0.0000 0423568633 O 05/01/35 0 9873509 E22/U57 F 104,500.00 ZZ 360 104,424.37 1 7.6250 739.64 95 7.3750 739.64 HOUSTON TX 77004 1 04/01/05 04 0423588904 03 05/01/05 30.0000 0423588904 N 04/01/35 0 9873515 E22/U57 F 124,300.00 ZZ 360 123,484.44 1 6.5000 785.66 80 6.2500 785.66 PAW PAW MI 49079 2 03/28/05 00 0423591114 05 05/01/05 0.0000 0423591114 O 04/01/35 0 9873617 E22/U57 F 66,375.00 ZZ 360 66,375.00 1 6.6250 366.45 75 6.3750 366.45 NAMPA ID 83651 1 03/25/05 00 0423684315 03 05/01/05 0.0000 0423684315 N 04/01/35 0 9873619 E22/G02 F 161,500.00 ZZ 360 161,364.32 4 6.8750 1060.94 77 6.6250 1060.94 GARDNER KS 66030 2 04/01/05 00 0423686070 05 05/01/05 0.0000 0423686070 N 04/01/35 0 9873649 E22/U57 F 169,800.00 ZZ 360 169,657.34 1 6.8750 1115.47 85 6.6250 1115.47 WEST PALM BEACFL 33405 1 04/01/05 10 0423737782 05 05/01/05 20.0000 0423737782 N 04/01/35 0 9873671 E22/U57 F 72,900.00 ZZ 360 72,835.68 1 6.6250 466.79 90 6.3750 466.79 PASCO WA 99301 1 03/24/05 10 0423764505 05 05/01/05 25.0000 0423764505 N 04/01/35 0 9873675 E22/U57 F 78,800.00 ZZ 360 78,800.00 1 6.7500 443.25 80 6.5000 443.25 BESSEMER AL 35020 1 04/01/05 00 0423770007 05 05/01/05 0.0000 0423770007 O 04/01/35 0 9873683 E22/G02 F 112,800.00 ZZ 360 112,800.00 1 6.5000 712.97 80 6.2500 712.97 FORT WAYNE IN 46835 1 04/01/05 00 0423777895 05 06/01/05 0.0000 0423777895 O 05/01/35 0 9873687 E22/U57 F 79,700.00 ZZ 360 79,700.00 1 7.0000 464.92 95 6.7500 464.92 DECATUR TX 76234 1 03/31/05 04 0423781640 05 05/01/05 30.0000 0423781640 N 04/01/35 0 9873697 E22/U57 F 57,600.00 ZZ 360 57,551.61 1 6.8750 378.39 80 6.6250 378.39 PUEBLO CO 81001 2 04/01/05 00 0423805050 05 05/01/05 0.0000 0423805050 N 04/01/35 0 9873707 E22/U57 F 94,400.00 ZZ 360 94,400.00 1 6.6250 604.45 80 6.3750 604.45 KATY TX 77449 1 04/01/05 00 0423819481 03 06/01/05 0.0000 0423819481 O 05/01/35 0 9873709 E22/G02 F 168,000.00 ZZ 360 167,858.86 4 6.8750 1103.64 80 6.6250 1103.64 GARDNER KS 66030 2 04/01/05 00 0423834605 05 05/01/05 0.0000 0423834605 N 04/01/35 0 9873717 E22/U57 F 121,440.00 ZZ 360 121,342.89 1 7.1250 818.16 80 6.8750 818.16 HUMBLE TX 77338 1 04/01/05 00 0423842012 03 05/01/05 0.0000 0423842012 O 04/01/35 0 9873719 E22/G02 F 120,000.00 ZZ 360 119,899.19 3 6.8750 788.31 75 6.6250 788.31 PHOENIX AZ 85006 1 03/29/05 00 0423842707 05 05/01/05 0.0000 0423842707 N 04/01/35 0 9873731 E22/G02 F 102,000.00 ZZ 360 102,000.00 1 6.7500 661.57 80 6.5000 661.57 PLANO TX 75075 1 04/01/05 00 0423873603 05 06/01/05 0.0000 0423873603 O 05/01/35 0 9873747 E82/G02 F 185,000.00 ZZ 360 185,000.00 1 7.0000 1230.81 85 6.7500 1230.81 RENTON WA 98059 5 03/29/05 04 0401070461 05 06/01/05 12.0000 0401070461 O 05/01/35 0 9873749 E82/G02 F 88,300.00 ZZ 360 88,220.17 1 6.5000 558.12 67 6.2500 558.12 HAMPTON GA 30228 2 03/29/05 00 0401099072 05 05/01/05 0.0000 0401099072 O 04/01/35 0 9873763 E82/G02 F 81,600.00 ZZ 360 81,600.00 1 6.2500 502.43 80 6.0000 502.43 ST. LOUIS MO 63130 2 03/30/05 00 0401103700 05 06/01/05 0.0000 0401103700 O 05/01/35 0 9873767 E82/G02 F 127,000.00 ZZ 360 126,887.96 1 6.6250 813.19 85 6.3750 813.19 SAINT LOUIS MO 63109 2 03/29/05 04 0401102926 05 05/01/05 12.0000 0401102926 O 04/01/35 0 9873769 E82/G02 F 111,150.00 ZZ 360 111,039.35 1 6.0000 666.40 51 5.7500 666.40 LONSDALE MN 55046 2 03/29/05 00 0401093430 05 05/01/05 0.0000 0401093430 O 04/01/35 0 9873779 E82/G02 F 188,000.00 ZZ 360 188,000.00 1 6.0000 1127.16 80 5.7500 1127.16 TUALATIN OR 97062 2 03/29/05 00 0401065511 05 06/01/05 0.0000 0401065511 O 05/01/35 0 9873787 E82/G02 F 87,600.00 ZZ 360 87,600.00 1 6.5000 553.69 68 6.2500 553.69 MERIDIAN ID 83642 2 03/31/05 00 0401103718 05 06/01/05 0.0000 0401103718 O 05/01/35 0 9873789 E82/G02 F 115,300.00 ZZ 360 115,300.00 1 6.0000 691.28 83 5.7500 691.28 ALBUQUERQUE NM 87123 2 03/31/05 04 0401086830 09 06/01/05 12.0000 0401086830 O 05/01/35 0 9873925 E82/G02 F 332,100.00 ZZ 360 331,777.22 1 6.1250 2017.87 76 5.8750 2017.87 EL CAJON CA 92021 2 03/23/05 00 0401076922 05 05/01/05 0.0000 0401076922 O 04/01/35 0 9873981 E82/G02 F 219,300.00 ZZ 360 219,086.85 1 6.1250 1332.49 74 5.8750 1332.49 CRANSTON RI 02921 2 03/23/05 00 0401087945 05 05/01/05 0.0000 0401087945 O 04/01/35 0 9874039 W02/G02 F 100,000.00 ZZ 360 99,898.04 1 5.8750 591.54 20 5.6250 591.54 BOOTHWYN PA 19061 5 03/25/05 00 0439115262 05 05/01/05 0.0000 0090102353 O 04/01/35 0 9874073 758/G02 F 162,450.00 ZZ 360 162,189.61 1 6.5000 1026.79 95 6.2500 1026.79 SHAWNEE KS 66226 5 03/10/05 14 0439136367 05 05/01/05 30.0000 5090000222 O 04/01/35 0 9874083 H81/U57 F 144,900.00 ZZ 360 144,781.23 2 7.0000 964.02 90 6.7500 964.02 WEST ALLIS WI 53214 5 03/28/05 10 0439178757 05 05/01/05 25.0000 40050297 N 04/01/35 0 9874451 E22/U57 F 140,640.00 ZZ 360 140,640.00 1 7.2500 849.70 80 7.0000 849.70 LAWSON MO 64062 1 04/01/05 00 0423811512 05 05/01/05 0.0000 0423811512 O 04/01/35 0 9874471 E22/G02 F 39,000.00 ZZ 360 39,000.00 1 6.8750 256.20 75 6.6250 256.20 BAY CITY MI 48708 5 04/04/05 00 0423834845 05 06/01/05 0.0000 0423834845 N 05/01/35 0 9874491 E22/U57 F 130,150.00 ZZ 360 130,050.97 1 7.3750 898.91 95 7.1250 898.91 HOUSTON TX 77080 2 03/29/05 04 0423754381 03 05/01/05 30.0000 0423754381 O 04/01/35 0 9874495 E22/G02 F 141,600.00 TX 360 141,478.09 1 6.7500 918.41 80 6.5000 918.41 DENTON TX 76201 5 03/30/05 00 0423758119 05 05/01/05 0.0000 0423758119 O 04/01/35 0 9874517 E22/G02 F 204,300.00 ZZ 360 204,128.36 1 6.8750 1342.11 90 6.6250 1342.11 LAKE ORION MI 48360 1 04/04/05 04 0423787530 29 05/01/05 30.0000 0423787530 O 04/01/35 0 9874519 E22/G02 F 59,415.00 ZZ 360 59,362.58 1 6.6250 380.44 85 6.3750 380.44 DORA MO 65637 1 04/01/05 04 0423791318 05 05/01/05 12.0000 0423791318 O 04/01/35 0 9874527 E22/U57 F 53,200.00 ZZ 360 53,158.50 1 7.2500 362.92 80 7.0000 362.92 TEXAS CITY TX 77590 1 03/30/05 00 0423729250 05 05/01/05 0.0000 0423729250 O 04/01/35 0 9874535 E22/G02 F 117,000.00 ZZ 360 117,000.00 1 6.6250 645.94 78 6.3750 645.94 LARGO FL 33770 5 03/30/05 00 0423735141 05 05/01/05 0.0000 0423735141 O 04/01/35 0 9874563 E22/U57 F 79,900.00 ZZ 360 79,822.34 1 6.1250 485.48 80 5.8750 485.48 SWANNANOA NC 28778 1 04/04/05 00 0422770321 05 05/01/05 0.0000 0422770321 O 04/01/35 0 9874577 E22/U57 F 156,000.00 ZZ 360 155,855.51 3 6.3750 973.24 80 6.1250 973.24 BROOKLYN HEIGHOH 44131 2 03/30/05 00 0423153550 05 05/01/05 0.0000 0423153550 O 04/01/35 0 9874581 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 6.2500 615.72 80 6.0000 615.72 WORTHINGTON OH 43085 1 04/04/05 00 0423188242 05 06/01/05 0.0000 0423188242 O 05/01/35 0 9874665 E22/G02 F 127,500.00 ZZ 360 127,500.00 4 6.8750 837.58 75 6.6250 837.58 WHEATFIELD NY 14120 1 04/04/05 00 0423510734 05 06/01/05 0.0000 0423510734 N 05/01/35 0 9874693 E22/U57 F 167,500.00 ZZ 360 167,355.79 1 6.7500 1086.40 69 6.5000 1086.40 EUGENE OR 97402 2 03/24/05 00 0423555614 05 05/01/05 0.0000 0423555614 O 04/01/35 0 9874721 E22/U57 F 125,600.00 ZZ 360 125,600.00 1 6.8750 825.10 80 6.6250 825.10 WALES MA 01081 2 03/29/05 00 0423589290 05 06/01/05 0.0000 0423589290 O 05/01/35 0 9874737 E22/U57 F 160,200.00 ZZ 360 160,065.41 1 6.8750 1052.40 90 6.6250 1052.40 WAVELAND MS 39576 2 03/29/05 10 0423605435 05 05/01/05 25.0000 0423605435 O 04/01/35 0 9874741 E22/U57 F 144,000.00 TX 360 143,869.82 1 6.5000 910.18 90 6.2500 910.18 HOUSTON TX 77092 5 04/01/05 10 0423617679 03 05/01/05 25.0000 0423617679 N 04/01/35 0 9874755 E22/G02 F 296,230.00 ZZ 360 296,230.00 1 6.2500 1542.86 80 6.0000 1542.86 REDMOND WA 98053 1 03/31/05 00 0423622901 09 06/01/05 0.0000 0423622901 O 05/01/35 0 9874773 E22/U57 F 164,000.00 TX 360 164,000.00 1 6.3750 1023.15 80 6.1250 1023.15 DALLAS TX 75231 5 03/29/05 00 0423634831 05 06/01/05 0.0000 0423634831 O 05/01/35 0 9874797 E22/G02 F 172,800.00 ZZ 360 172,632.05 1 6.1250 1049.95 80 5.8750 1049.95 GRAHAM WA 98338 2 03/31/05 00 0423651520 05 05/01/05 0.0000 0423651520 O 04/01/35 0 9874865 E22/U57 F 113,600.00 ZZ 360 113,600.00 1 6.6250 727.39 80 6.3750 727.39 PRAIRIE VILLAGKS 66208 1 04/04/05 00 0423708783 05 06/01/05 0.0000 0423708783 O 05/01/35 0 9874877 E22/G02 F 132,952.00 ZZ 360 132,952.00 1 6.1250 807.83 80 5.8750 807.83 PUEBLO WEST CO 81007 1 04/01/05 00 0423711324 05 06/01/05 0.0000 0423711324 O 05/01/35 0 9875355 S27/U57 F 104,500.00 ZZ 360 104,410.02 1 6.7500 677.79 95 6.5000 677.79 CRESTVIEW FL 32539 1 03/31/05 11 0439113689 05 05/01/05 30.0000 1010040728 N 04/01/35 0 9875375 U05/G02 F 52,800.00 ZZ 360 52,752.27 1 6.5000 333.73 80 6.2500 333.73 SAN ANTONIO TX 78209 1 03/30/05 00 0439117656 01 05/01/05 0.0000 3000726982 O 04/01/35 0 9875443 T51/U57 F 82,450.00 ZZ 360 82,387.26 2 7.3750 569.46 85 7.1250 569.46 MILWAUKEE WI 53209 2 03/30/05 10 0439158023 05 05/01/05 12.0000 0000025537 N 04/01/35 0 9875461 B43/G02 F 40,750.00 ZZ 360 40,714.92 1 6.7500 264.30 64 6.5000 264.30 GREENVILLE SC 29601 2 03/31/05 00 0439116195 05 05/01/05 0.0000 55809 N 04/01/35 0 9875571 P34/G02 F 250,200.00 ZZ 360 249,984.59 4 6.7500 1622.79 90 6.5000 1622.79 PROVIDENCE RI 02909 1 03/22/05 10 0439118100 05 05/01/05 25.0000 1000486374 N 04/01/35 0 9875745 975/U57 F 512,000.00 ZZ 360 511,490.30 1 6.0000 3069.70 80 5.7500 3069.70 ARCADIA AREA CA 91006 1 03/15/05 00 0439116187 05 05/01/05 0.0000 2050108 O 04/01/35 0 9875785 U81/G02 F 85,000.00 ZZ 240 84,826.68 1 6.5000 633.74 89 6.2500 633.74 CORDELE GA 31015 5 03/25/05 04 0439137324 05 05/01/05 25.0000 1860000032 O 04/01/25 0 9875799 E11/G02 F 179,900.00 ZZ 360 179,745.11 4 6.7500 1166.83 90 6.5000 1166.83 PHOENIX AZ 85006 1 03/18/05 14 0439119488 05 05/01/05 25.0000 006001078183 N 04/01/35 0 9875971 E22/G02 F 250,000.00 ZZ 360 249,779.43 2 6.6250 1600.78 77 6.3750 1600.78 PASSAIC NJ 07055 5 03/31/05 00 0423455807 05 05/01/05 0.0000 0423455807 O 04/01/35 0 9875977 E22/U57 F 227,000.00 ZZ 240 226,513.43 1 6.1250 1642.71 80 5.8750 1642.71 REISTERSTOWN MD 21136 5 03/31/05 00 0423461698 05 05/01/05 0.0000 0423461698 O 04/01/25 0 9875995 E22/G02 F 300,000.00 ZZ 360 300,000.00 1 6.8750 1718.75 80 6.6250 1718.75 MERIDIAN ID 83642 1 03/31/05 00 0423503895 05 06/01/05 0.0000 0423503895 O 05/01/35 0 9875997 E22/U57 F 121,125.00 ZZ 360 121,041.64 1 7.8750 878.24 95 7.6250 878.24 COLUMBIA SC 29201 1 04/05/05 04 0423504257 05 05/01/05 30.0000 0423504257 N 04/01/35 0 9876013 E22/G02 F 650,000.00 ZZ 360 650,000.00 1 6.5000 3520.83 63 6.2500 3520.83 MISSION VIEJO CA 92692 5 03/31/05 00 0423539105 05 05/01/05 0.0000 0423539105 O 04/01/35 0 9876033 E22/U57 F 110,000.00 ZZ 360 109,902.95 1 6.6250 704.34 87 6.3750 704.34 LYONS GA 30436 2 04/05/05 04 0423571132 05 05/01/05 25.0000 0423571132 O 04/01/35 0 9876035 E22/U57 F 166,500.00 T 360 166,342.77 1 6.5000 1052.39 90 6.2500 1052.39 FT.LAUDERDALE FL 33316 1 04/05/05 10 0423571900 01 05/01/05 25.0000 0423571900 O 04/01/35 0 9876045 E22/G02 F 185,600.00 ZZ 360 185,600.00 1 6.8750 1063.33 80 6.6250 1063.33 NORTH BRANCH MI 48461 1 04/05/05 00 0423588367 05 06/01/05 0.0000 0423588367 O 05/01/35 0 9876047 E22/U57 F 79,650.00 ZZ 360 79,650.00 1 6.8750 523.24 90 6.6250 523.24 ALBION WA 99102 5 03/31/05 04 0423589431 05 06/01/05 25.0000 0423589431 N 05/01/35 0 9876063 E22/G02 F 153,485.00 ZZ 360 153,365.27 4 7.2500 1047.04 90 7.0000 1047.04 KILLEEN TX 76540 2 04/05/05 04 0423611557 05 05/01/05 25.0000 0423611557 N 04/01/35 0 9876071 E22/U57 F 108,000.00 ZZ 360 107,902.37 1 6.5000 682.63 80 6.2500 682.63 ZEPHYRHILLS FL 33542 5 03/31/05 00 0423618255 05 05/01/05 0.0000 0423618255 O 04/01/35 0 9876135 E22/G02 F 104,000.00 TX 360 103,910.46 1 6.7500 674.54 80 6.5000 674.54 DALLAS TX 75232 5 03/31/05 00 0423681436 05 05/01/05 0.0000 0423681436 O 04/01/35 0 9876143 E22/G02 F 136,000.00 ZZ 360 135,877.06 1 6.5000 859.61 80 6.2500 859.61 THORNTON CO 80241 1 04/05/05 00 0423694017 03 05/01/05 0.0000 0423694017 N 04/01/35 0 9876153 E22/G02 F 63,000.00 ZZ 360 62,935.77 1 5.8750 372.67 75 5.6250 372.67 NEW ORLEANS LA 70125 5 03/31/05 00 0423703578 05 05/01/05 0.0000 0423703578 O 04/01/35 0 9876175 E22/U57 F 325,000.00 ZZ 360 325,000.00 1 6.3750 1726.56 80 6.1250 1726.56 RESTON VA 20191 5 03/29/05 00 0423725423 05 05/01/05 0.0000 0423725423 O 04/01/35 0 9876177 E22/G02 F 116,707.00 ZZ 360 116,707.00 1 6.6250 747.29 90 6.3750 747.29 HARLINGEN TX 78550 1 04/04/05 10 0423725498 05 06/01/05 25.0000 0423725498 N 05/01/35 0 9876197 E22/G02 F 76,000.00 ZZ 360 75,929.61 1 6.3750 474.14 95 6.1250 474.14 WOODWARD OK 73801 2 03/31/05 10 0423741768 05 05/01/05 30.0000 0423741768 O 04/01/35 0 9876215 E22/G02 F 120,000.00 ZZ 360 120,000.00 2 6.8750 788.31 80 6.6250 788.31 PASADENA TX 77502 1 04/05/05 00 0423765783 05 06/01/05 0.0000 0423765783 N 05/01/35 0 9876233 E22/G02 F 90,000.00 TX 360 90,000.00 1 6.6250 576.28 65 6.3750 576.28 QUINLAN TX 75474 5 03/31/05 00 0423788355 05 06/01/05 0.0000 0423788355 O 05/01/35 0 9876249 E22/G02 F 131,600.00 ZZ 360 131,472.09 1 6.1250 799.62 80 5.8750 799.62 METAIRIE LA 70001 1 04/07/05 00 0423803733 05 05/01/05 0.0000 0423803733 O 04/01/35 0 9876399 E82/G02 F 145,600.00 ZZ 360 145,600.00 3 6.6250 932.29 80 6.3750 932.29 GRETNA LA 70053 2 04/05/05 00 0401094750 05 06/01/05 0.0000 0401094750 N 05/01/35 0 9876401 E82/G02 F 450,000.00 ZZ 360 449,562.64 1 6.1250 2734.24 67 5.8750 2734.24 GILROY CA 95020 5 03/24/05 00 0401100375 05 05/01/05 0.0000 0401100375 O 04/01/35 0 9876951 313/G02 F 137,303.00 T 360 137,166.31 1 6.0000 823.21 80 5.7500 823.21 PALM COAST FL 32164 1 03/10/05 00 0439186982 03 05/01/05 0.0000 10298248 O 04/01/35 0 9876955 313/G02 F 260,000.00 ZZ 360 259,747.29 3 6.1250 1579.79 80 5.8750 1579.79 CONSHOHOCKEN PA 19428 1 03/04/05 00 0439186974 05 05/01/05 0.0000 10520591 O 04/01/35 0 9876957 313/G02 F 56,400.00 ZZ 360 56,272.86 1 6.1250 342.70 80 5.8750 342.70 PORTSMOUTH VA 23704 1 02/18/05 00 0439187030 05 04/01/05 0.0000 10531440 N 03/01/35 0 9876961 313/G02 F 265,500.00 ZZ 360 265,259.98 4 6.5000 1678.15 90 6.2500 1678.15 MILWAUKEE WI 53219 1 03/15/05 11 0439187014 05 05/01/05 25.0000 10534436 N 04/01/35 0 9876963 313/G02 F 520,000.00 ZZ 360 519,506.60 1 6.2500 3201.73 80 6.0000 3201.73 WALTHAM MA 02451 1 03/17/05 00 0439193020 05 05/01/05 0.0000 10543783 O 04/01/35 0 9876965 313/G02 F 469,000.00 ZZ 360 467,994.80 1 6.2500 2887.72 74 6.0000 2887.72 ELMHURST IL 60126 2 02/28/05 00 0439192998 05 04/01/05 0.0000 10555746 O 03/01/35 0 9877213 P01/G02 F 122,400.00 ZZ 360 122,400.00 3 6.8750 804.08 90 6.6250 804.08 TROY NY 12180 1 04/04/05 10 0439113630 05 06/01/05 25.0000 05000954 N 05/01/35 0 9877271 H49/G02 F 95,250.00 ZZ 360 95,055.30 1 5.8750 563.44 75 5.6250 563.44 ALTOONA IA 50009 1 02/24/05 00 0439123399 05 04/01/05 0.0000 20040369 O 03/01/35 0 9877497 975/G02 F 500,000.00 ZZ 360 499,547.99 3 6.5000 3160.34 80 6.2500 3160.34 FULLERTON CA 92833 5 03/25/05 00 0439128307 05 05/01/05 0.0000 2051226 O 04/01/35 0 9877629 E22/U57 F 188,000.00 ZZ 360 187,817.27 1 6.1250 1142.31 80 5.8750 1142.31 LITTLETON CO 80120 5 03/31/05 00 0423155407 05 05/01/05 0.0000 0423155407 O 04/01/35 0 9877659 E22/G02 F 112,500.00 ZZ 360 112,400.74 1 6.6250 720.35 88 6.3750 720.35 HIALEAH FL 33016 5 04/01/05 10 0423395888 01 05/01/05 25.0000 0423395888 O 04/01/35 0 9877661 E22/U57 F 176,500.00 ZZ 360 176,351.72 1 6.8750 1159.48 89 6.6250 1159.48 DURHAM ME 04222 5 04/01/05 04 0423407287 05 05/01/05 25.0000 0423407287 O 04/01/35 0 9877677 E22/G02 F 55,920.00 ZZ 360 55,866.94 1 6.2500 344.31 80 6.0000 344.31 PAYETTE ID 83661 1 03/23/05 00 0423456680 05 05/01/05 0.0000 0423456680 O 04/01/35 0 9877691 E22/G02 F 89,990.00 ZZ 360 89,990.00 3 6.5000 568.80 90 6.2500 568.80 PLATTSBURGH NY 12901 1 04/06/05 10 0423483239 05 06/01/05 25.0000 0423483239 N 05/01/35 0 9877721 E22/U57 F 240,000.00 ZZ 360 239,783.04 1 6.5000 1516.96 75 6.2500 1516.96 JACKSON NJ 08527 5 03/16/05 00 0423545391 05 05/01/05 0.0000 0423545391 O 04/01/35 0 9877745 E22/U57 F 49,600.00 ZZ 360 49,555.16 1 6.5000 313.51 80 6.2500 313.51 MULBERRY GROVEIL 62262 5 04/01/05 00 0423576479 05 05/01/05 0.0000 0423576479 O 04/01/35 0 9877785 E22/G02 F 136,800.00 ZZ 360 136,676.33 1 6.5000 864.67 90 6.2500 864.67 MIAMI FL 33183 5 04/01/05 10 0423642065 01 05/01/05 25.0000 0423642065 O 04/01/35 0 9877811 E22/U57 F 172,000.00 ZZ 360 172,000.00 1 6.5000 1087.16 80 6.2500 1087.16 ARVADA CO 80003 5 04/06/05 00 0423665140 05 06/01/05 0.0000 0423665140 N 05/01/35 0 9877817 E22/U57 F 99,750.00 ZZ 360 99,750.00 1 7.0000 663.64 95 6.7500 663.64 STEVENS POINT WI 54481 1 04/06/05 04 0423671122 05 06/01/05 30.0000 0423671122 O 05/01/35 0 9877821 E22/U57 F 353,500.00 ZZ 360 353,149.05 4 6.6250 2263.50 76 6.3750 2263.50 TAOS NM 87571 2 03/22/05 00 0423676170 05 05/01/05 0.0000 0423676170 O 04/01/35 0 9877869 E22/G02 F 50,000.00 ZZ 360 50,000.00 4 6.7500 324.30 79 6.5000 324.30 ERIE PA 16503 2 04/06/05 00 0423722651 05 06/01/05 0.0000 0423722651 N 05/01/35 0 9877889 E22/U57 F 182,400.00 ZZ 360 182,246.76 1 6.8750 1198.24 80 6.6250 1198.24 INDIANAPOLIS IN 46228 2 04/01/05 00 0423748342 05 05/01/05 0.0000 0423748342 O 04/01/35 0 9877897 E22/G02 F 208,000.00 ZZ 360 207,820.92 1 6.7500 1349.08 80 6.5000 1349.08 WEST PALM BEACFL 33406 5 04/01/05 00 0423752617 05 05/01/05 0.0000 0423752617 O 04/01/35 0 9877899 E22/U57 F 124,450.00 ZZ 360 124,450.00 1 7.3750 859.55 95 7.1250 859.55 WEST BLOOMFIELMI 48324 1 04/06/05 04 0423753649 05 06/01/05 30.0000 0423753649 O 05/01/35 0 9877935 E22/U57 F 200,000.00 ZZ 360 199,818.37 1 6.7500 1297.20 80 6.5000 1297.20 CASPER WY 82601 5 04/01/05 00 0423785864 05 05/01/05 0.0000 0423785864 O 04/01/35 0 9877941 E22/U57 F 158,000.00 ZZ 360 158,000.00 2 6.8750 1037.95 90 6.6250 1037.95 NEW ORLEANS LA 70118 2 04/06/05 10 0423790641 05 06/01/05 25.0000 0423790641 N 05/01/35 0 9877947 E22/U57 F 260,000.00 ZZ 360 260,000.00 1 6.2500 1354.17 80 6.0000 1354.17 SACRAMENTO CA 95822 1 03/31/05 00 0423799238 05 06/01/05 0.0000 0423799238 O 05/01/35 0 9877955 E22/U57 F 88,000.00 ZZ 360 88,000.00 1 6.5000 556.22 80 6.2500 556.22 SAINT LOUIS MO 63121 5 04/06/05 00 0423804913 05 06/01/05 0.0000 0423804913 N 05/01/35 0 9877973 E22/U57 F 180,000.00 ZZ 360 180,000.00 1 6.8750 1182.47 80 6.6250 1182.47 CASPER WY 82604 5 04/01/05 00 0423842681 05 06/01/05 0.0000 0423842681 O 05/01/35 0 9877987 E82/G02 F 185,000.00 ZZ 360 185,000.00 1 6.1250 1124.08 44 5.8750 1124.08 LAUREL HILL FL 32567 5 04/04/05 00 0401087804 05 06/01/05 0.0000 0401087804 O 05/01/35 0 9877999 E82/G02 F 127,400.00 ZZ 360 127,400.00 1 5.8750 753.62 40 5.6250 753.62 BOCA RATON FL 33486 5 04/04/05 00 0401101415 05 06/01/05 0.0000 0401101415 O 05/01/35 0 9878005 E82/G02 F 68,500.00 ZZ 360 68,500.00 2 7.0000 455.73 79 6.7500 455.73 VINTON LA 70668 2 04/05/05 00 0401093893 05 06/01/05 0.0000 0401093893 N 05/01/35 0 9878847 H49/G02 F 500,000.00 ZZ 360 499,490.23 1 5.8750 2957.69 79 5.6250 2957.69 CHANDLER AZ 85224 5 03/24/05 00 0439129628 03 05/01/05 0.0000 638989 O 04/01/35 0 9879525 H49/G02 F 131,500.00 ZZ 360 131,392.21 1 7.0000 874.87 95 6.7500 874.87 GUYTON GA 31312 5 03/07/05 11 0439194952 05 05/01/05 30.0000 629141 O 04/01/35 0 9879529 E47/G02 F 236,000.00 ZZ 360 235,791.79 1 6.6250 1511.13 80 6.3750 1511.13 LAPLATA MD 20646 1 03/21/05 00 0439120429 05 05/01/05 0.0000 7342511202 O 04/01/35 0 9880329 N74/U57 F 255,200.00 T 360 254,988.74 1 6.9500 1689.29 80 6.7000 1689.29 PINE RIVER MN 56474 5 03/31/05 00 0439126004 01 05/01/05 0.0000 2200003238 O 04/01/35 0 9880523 N74/U57 F 97,000.00 ZZ 360 96,916.49 1 6.7500 629.14 94 6.5000 629.14 SALTILLO MS 38866 5 03/30/05 01 0439126236 05 05/04/05 30.0000 2200003215 O 04/04/35 0 9881359 E22/G02 F 212,000.00 ZZ 360 212,000.00 2 6.2500 1305.32 80 6.0000 1305.32 STATE COLLEGE PA 16801 2 04/07/05 00 0423239862 05 06/01/05 0.0000 0423239862 N 05/01/35 0 9881365 E22/G02 F 72,500.00 ZZ 360 72,439.09 1 6.8750 476.27 72 6.6250 476.27 EAST WENATCHEEWA 98802 2 03/30/05 00 0423328483 05 05/01/05 0.0000 0423328483 O 04/01/35 0 9881377 E22/G02 F 56,000.00 ZZ 360 56,000.00 1 6.7500 363.21 80 6.5000 363.21 JACKSON MI 49201 5 04/07/05 00 0423467968 05 06/01/05 0.0000 0423467968 N 05/01/35 0 9881397 E22/U57 F 57,600.00 TX 360 57,552.79 1 7.0000 383.21 90 6.7500 383.21 GALVESTON TX 77550 5 04/07/05 04 0423582204 05 05/01/05 25.0000 0423582204 N 04/01/35 0 9881405 E22/U57 F 200,000.00 ZZ 360 199,819.19 1 6.5000 1264.14 61 6.2500 1264.14 BAKERSFIELD CA 93312 5 04/01/05 00 0423593482 05 05/01/05 0.0000 0423593482 O 04/01/35 0 9881407 E22/G02 F 315,000.00 ZZ 360 315,000.00 4 6.3750 1965.19 75 6.1250 1965.19 HOLLYWOOD FL 33020 1 04/07/05 00 0423600329 05 06/01/05 0.0000 0423600329 N 05/01/35 0 9881457 E22/U57 F 168,000.00 ZZ 360 167,851.78 1 6.6250 1075.72 79 6.3750 1075.72 NASHVILLE TN 37209 5 04/01/05 00 0423667260 05 05/01/05 0.0000 0423667260 O 04/01/35 0 9881467 E22/U57 F 160,000.00 ZZ 360 160,000.00 2 6.8750 1051.09 80 6.6250 1051.09 VISALIA CA 93277 5 04/04/05 00 0423681907 05 06/01/05 0.0000 0423681907 N 05/01/35 0 9881487 E22/U57 F 155,200.00 ZZ 360 155,200.00 1 6.7500 1006.62 80 6.5000 1006.62 TOOELE UT 84074 5 03/31/05 00 0423707231 05 06/01/05 0.0000 0423707231 O 05/01/35 0 9881523 E22/G02 F 55,250.00 ZZ 240 55,250.00 1 6.7500 420.10 85 6.5000 420.10 HOYT LAKES MN 55750 5 04/02/05 04 0423757947 05 06/01/05 12.0000 0423757947 O 05/01/25 0 9881529 E22/G02 F 128,000.00 ZZ 360 128,000.00 1 6.5000 809.05 80 6.2500 809.05 HIALEAH FL 33012 1 04/07/05 00 0423768415 07 06/01/05 0.0000 0423768415 O 05/01/35 0 9881557 E22/U57 F 67,500.00 ZZ 360 67,500.00 1 6.5000 426.65 90 6.2500 426.65 WEBB AL 36376 5 04/07/05 04 0423812460 05 06/01/05 25.0000 0423812460 N 05/01/35 0 9881569 E22/G02 F 110,000.00 ZZ 360 110,000.00 1 6.5000 695.27 80 6.2500 695.27 KENNEWICK WA 99337 1 04/05/05 00 0423822030 05 06/01/05 0.0000 0423822030 O 05/01/35 0 9881589 E22/G02 F 239,200.00 T 360 239,200.00 1 6.0000 1196.00 80 5.7500 1196.00 BRECKENRIDGE CO 80424 1 04/07/05 00 0423855014 01 06/01/05 0.0000 0423855014 O 05/01/35 0 9881601 E22/G02 F 51,300.00 ZZ 360 51,300.00 1 7.5000 358.70 90 7.2500 358.70 TULSA OK 74106 1 04/07/05 10 0423898956 05 06/01/05 25.0000 0423898956 N 05/01/35 0 9881887 253/253 F 136,990.00 ZZ 360 136,866.16 1 6.5000 865.87 95 6.2500 865.87 MINERAL WELLS TX 76067 1 03/28/05 11 385797 05 05/01/05 30.0000 385797 O 04/01/35 0 9881905 E82/G02 F 176,900.00 ZZ 360 176,900.00 1 6.6250 1132.71 85 6.3750 1132.71 DRAPER UT 84020 2 04/01/05 04 0401107255 05 06/01/05 12.0000 0401107255 O 05/01/35 0 9881953 E82/G02 F 130,200.00 ZZ 360 130,200.00 1 6.2500 801.66 62 6.0000 801.66 WELLSTON MI 49689 2 03/31/05 00 0401108253 05 06/01/05 0.0000 0401108253 O 05/01/35 0 9881997 U05/G02 F 196,800.00 ZZ 360 196,622.09 2 6.5000 1243.91 80 6.2500 1243.91 LEHIGH ACRES FL 33971 1 03/29/05 00 0439126376 05 05/01/05 0.0000 3000731954 O 04/01/35 0 9882039 U85/G02 F 62,400.00 ZZ 360 62,400.00 1 6.5000 394.41 80 6.2500 394.41 INDEPENDENCE MO 64052 5 04/05/05 00 0439120064 05 06/01/05 0.0000 TQS131 O 05/01/35 0 9882047 U85/U57 F 53,500.00 ZZ 360 53,500.00 1 6.7500 347.00 69 6.5000 347.00 DAVENPORT IA 52806 1 04/04/05 00 0439141847 05 06/01/05 0.0000 TQSANDERSON O 05/01/35 0 9882055 U85/U57 F 79,550.00 ZZ 360 79,478.09 1 6.5000 502.81 80 6.2500 502.81 CEDAR RAPIDS IA 52403 1 03/31/05 00 0439142076 05 05/01/05 0.0000 TQSBOLTON O 04/01/35 0 9882075 758/G02 F 85,600.00 ZZ 360 85,526.30 1 6.7500 555.20 80 6.5000 555.20 AUSTIN TX 78748 1 03/23/05 00 0439140948 05 05/01/05 0.0000 1500001879 N 04/01/35 0 9882093 A35/G02 F 204,000.00 ZZ 360 204,000.00 1 6.7500 1323.14 80 6.5000 1323.14 SHIRLEY NY 11967 5 04/06/05 00 0439124207 05 06/01/05 0.0000 18099 N 05/01/35 0 9882099 N74/G02 F 50,000.00 ZZ 360 49,956.95 1 6.7500 324.30 90 6.5000 324.30 WINSTON SALEM NC 27105 2 03/23/05 10 0439152919 05 05/01/05 25.0000 2200003189 N 04/01/35 0 9882121 H58/G02 F 312,000.00 ZZ 360 311,737.88 1 6.8750 2049.62 80 6.6250 2049.62 OAKLAND CA 94607 1 03/16/05 00 0439209206 01 05/01/05 0.0000 0000286637 N 04/01/35 0 9882393 E22/U57 F 99,655.00 ZZ 360 99,655.00 1 7.2500 679.82 95 7.0000 679.82 HENRYVILLE IN 47126 1 04/08/05 01 0423097336 05 06/01/05 30.0000 0423097336 N 05/01/35 0 9882395 E22/U57 F 145,760.00 ZZ 360 145,760.00 1 6.7500 819.90 80 6.5000 819.90 MONTROSE CO 81401 1 04/08/05 00 0423155308 05 06/01/05 0.0000 0423155308 O 05/01/35 0 9882399 E22/G02 F 100,000.00 TX 360 100,000.00 1 6.5000 632.07 80 6.2500 632.07 GRANITE SHOALSTX 78654 5 04/04/05 00 0423217439 03 06/01/05 0.0000 0423217439 O 05/01/35 0 9882415 E22/U57 F 212,000.00 ZZ 360 212,000.00 1 6.6250 1357.46 80 6.3750 1357.46 MIAMI FL 33126 5 04/04/05 00 0423347152 05 06/01/05 0.0000 0423347152 O 05/01/35 0 9882439 E22/G02 F 136,000.00 ZZ 360 136,000.00 1 6.5000 859.61 80 6.2500 859.61 CHAMPAIGN IL 61822 5 04/08/05 00 0423501816 07 06/01/05 0.0000 0423501816 N 05/01/35 0 9882443 E22/G02 F 112,500.00 ZZ 360 112,500.00 4 7.0000 748.47 90 6.7500 748.47 SAINT LOUIS MO 63111 1 04/08/05 10 0423513134 05 06/01/05 25.0000 0423513134 N 05/01/35 0 9882455 E22/U57 F 51,300.00 ZZ 360 51,300.00 1 6.2500 315.86 95 6.0000 315.86 KODAK TN 37764 1 04/08/05 04 0423532258 05 06/01/05 30.0000 0423532258 N 05/01/35 0 9882499 E22/U57 F 100,000.00 T 360 100,000.00 1 6.7500 648.60 45 6.5000 648.60 PORT SAINT LUCFL 34953 1 04/08/05 00 0423611425 05 06/01/05 0.0000 0423611425 O 05/01/35 0 9882503 E22/G02 F 110,400.00 TX 360 110,400.00 1 6.8750 725.25 80 6.6250 725.25 HOUSTON TX 77018 5 04/04/05 00 0423616861 03 06/01/05 0.0000 0423616861 O 05/01/35 0 9882511 E22/U57 F 592,500.00 ZZ 360 592,500.00 2 5.8750 3504.86 75 5.6250 3504.86 NYACK NY 10960 1 04/08/05 00 0423626803 05 06/01/05 0.0000 0423626803 O 05/01/35 0 9882523 E22/G02 F 136,000.00 ZZ 360 136,000.00 1 6.5000 859.61 80 6.2500 859.61 CHAMPAIGN IL 61822 2 04/08/05 00 0423639277 07 06/01/05 0.0000 0423639277 N 05/01/35 0 9882557 E22/G02 F 72,720.00 ZZ 360 72,720.00 4 7.0000 483.81 90 6.7500 483.81 ABILENE TX 79601 1 04/08/05 10 0423678242 05 06/01/05 30.0000 0423678242 N 05/01/35 0 9882599 E22/G02 F 120,000.00 ZZ 360 120,000.00 1 6.5000 758.48 75 6.2500 758.48 GREAT FALLS MT 59404 5 04/04/05 00 0423712512 05 06/01/05 0.0000 0423712512 O 05/01/35 0 9882601 E22/U57 F 106,000.00 ZZ 360 106,000.00 1 6.5000 669.99 76 6.2500 669.99 NAPLES ID 83847 5 04/01/05 00 0423715481 05 06/01/05 0.0000 0423715481 O 05/01/35 0 9882611 E22/U57 F 95,095.00 ZZ 360 95,095.00 1 7.3750 656.80 95 7.1250 656.80 PUEBLO CO 81004 1 04/08/05 10 0423720598 05 06/01/05 30.0000 0423720598 N 05/01/35 0 9882623 E22/U57 F 251,200.00 ZZ 360 251,200.00 2 5.8750 1485.94 80 5.6250 1485.94 COLUMBIA HEIGHMN 55421 1 04/08/05 00 0423730043 05 06/01/05 0.0000 0423730043 O 05/01/35 0 9882635 E22/G02 F 87,000.00 ZZ 360 86,926.91 1 6.8750 571.53 81 6.6250 571.53 ATHENS AL 35611 5 03/31/05 04 0423734714 05 05/01/05 12.0000 0423734714 O 04/01/35 0 9882641 E22/G02 F 193,500.00 ZZ 360 193,500.00 1 7.0000 1287.36 90 6.7500 1287.36 MEDFORD NJ 08055 1 04/04/05 01 0423740224 09 06/01/05 30.0000 0423740224 O 05/01/35 0 9882651 E22/G02 F 140,000.00 ZZ 360 140,000.00 1 6.6250 772.92 80 6.3750 772.92 VANCOUVER WA 98664 1 04/04/05 00 0423742899 05 06/01/05 0.0000 0423742899 O 05/01/35 0 9882695 E22/U57 F 128,000.00 ZZ 360 127,889.79 1 6.7500 830.21 62 6.5000 830.21 REEDLEY CA 93654 5 03/25/05 00 0423786524 05 05/01/05 0.0000 0423786524 N 04/01/35 0 9882707 E22/U57 F 347,100.00 ZZ 360 347,100.00 2 6.1250 2109.02 80 5.8750 2109.02 WEST LINN OR 97068 1 04/05/05 00 0423800069 05 06/01/05 0.0000 0423800069 O 05/01/35 0 9882715 E22/G02 F 58,500.00 ZZ 360 58,500.00 1 6.6250 374.58 90 6.3750 374.58 HOUSTON TX 77043 1 04/08/05 04 0423804855 01 06/01/05 25.0000 0423804855 N 05/01/35 0 9882719 E22/U57 F 130,000.00 ZZ 360 130,000.00 1 6.8750 854.01 77 6.6250 854.01 KENNER LA 70065 1 04/08/05 00 0423806637 05 06/01/05 0.0000 0423806637 O 05/01/35 0 9882721 E22/U57 F 128,250.00 ZZ 360 128,250.00 1 7.2500 874.89 95 7.0000 874.89 CHICAGO IL 60644 1 04/08/05 04 0423806751 05 06/01/05 30.0000 0423806751 N 05/01/35 0 9882735 E22/U57 F 280,000.00 ZZ 360 280,000.00 1 7.2500 1910.09 80 7.0000 1910.09 BIRMINGHAM MI 48009 1 04/08/05 00 0423818764 05 06/01/05 0.0000 0423818764 O 05/01/35 0 9882745 E22/G02 F 101,500.00 ZZ 360 101,500.00 1 6.3750 633.23 70 6.1250 633.23 WEST VALLEY CIUT 84120 2 04/06/05 00 0423826528 05 06/01/05 0.0000 0423826528 N 05/01/35 0 9882753 E22/U57 F 280,000.00 ZZ 360 280,000.00 1 6.2500 1724.01 80 6.0000 1724.01 BURLINGTON CO 80807 2 04/04/05 00 0423834985 05 06/01/05 0.0000 0423834985 O 05/01/35 0 9882767 E22/G02 F 157,000.00 ZZ 360 157,000.00 1 6.6250 1005.29 64 6.3750 1005.29 INVER GROVE HEMN 55076 2 04/08/05 00 0423847748 05 06/01/05 0.0000 0423847748 N 05/01/35 0 9882775 E22/G02 F 223,000.00 ZZ 360 223,000.00 1 6.3750 1391.23 80 6.1250 1391.23 AUSTIN TX 78744 1 04/08/05 00 0423856491 05 06/01/05 0.0000 0423856491 O 05/01/35 0 9882781 E22/U57 F 100,000.00 ZZ 360 100,000.00 1 6.5000 632.07 80 6.2500 632.07 SPOKANE WA 99223 5 04/04/05 00 0423871722 05 06/01/05 0.0000 0423871722 O 05/01/35 0 9882795 E22/G02 F 137,500.00 ZZ 360 137,500.00 1 6.3750 857.82 80 6.1250 857.82 WEST JORDAN UT 84088 2 04/06/05 00 0423879642 05 06/01/05 0.0000 0423879642 N 05/01/35 0 9882797 E22/U57 F 123,500.00 ZZ 360 123,500.00 1 7.2500 842.49 95 7.0000 842.49 CLINTON TOWNSHMI 48035 1 04/08/05 04 0423884659 05 06/01/05 30.0000 0423884659 N 05/01/35 0 9882805 E22/G02 F 124,000.00 ZZ 360 124,000.00 2 6.7500 804.26 80 6.5000 804.26 OLATHE KS 66061 1 04/08/05 00 0423891175 05 06/01/05 0.0000 0423891175 N 05/01/35 0 9882811 E22/G02 F 124,000.00 ZZ 360 124,000.00 2 6.7500 804.26 80 6.5000 804.26 OLATHE KS 66061 1 04/08/05 00 0423896778 05 06/01/05 0.0000 0423896778 N 05/01/35 0 9882815 E22/G02 F 286,400.00 ZZ 360 286,400.00 1 6.5000 1810.24 80 6.2500 1810.24 EAST WENATCHEEWA 98802 1 04/06/05 00 0423901032 05 06/01/05 0.0000 0423901032 O 05/01/35 0 9882817 E22/G02 F 250,000.00 ZZ 360 250,000.00 1 6.5000 1580.17 73 6.2500 1580.17 NORTH RICHLANDTX 76180 2 04/08/05 00 0423905686 03 06/01/05 0.0000 0423905686 N 05/01/35 0 9882829 E22/U57 F 95,000.00 ZZ 360 95,000.00 1 7.2500 648.07 95 7.0000 648.07 MADISON AL 35758 1 04/08/05 04 0423930775 05 06/01/05 30.0000 0423930775 N 05/01/35 0 9882831 E22/U57 F 274,500.00 ZZ 360 274,251.85 1 6.5000 1735.03 90 6.2500 1735.03 HYATTSVILLE MD 20783 5 03/16/05 04 0423533520 05 05/01/05 25.0000 0423533520 O 04/01/35 0 9882833 E82/G02 F 87,800.00 ZZ 360 87,800.00 1 6.2500 540.60 79 6.0000 540.60 HALLSVILLE TX 75650 2 04/07/05 00 0401104856 03 06/01/05 0.0000 0401104856 O 05/01/35 0 9882841 E82/G02 F 112,500.00 ZZ 360 112,500.00 1 6.5000 711.08 90 6.2500 711.08 NORTH LIBERTY IA 52317 2 04/08/05 04 0401102702 05 06/01/05 25.0000 0401102702 N 05/01/35 0 9883601 U85/G02 F 156,000.00 ZZ 360 156,000.00 1 6.3750 973.24 80 6.1250 973.24 HOLT MO 64048 2 04/05/05 00 0439147380 05 06/01/05 0.0000 TQS122 O 05/01/35 0 9883913 Q87/G02 F 100,000.00 ZZ 360 99,909.60 1 6.5000 632.07 67 6.2500 632.07 MARIETTA GA 30008 5 04/05/05 00 0439151556 05 05/05/05 0.0000 MATH01 N 04/05/35 0 9883921 W99/G02 F 80,800.00 ZZ 360 80,800.00 1 6.2500 420.83 80 6.0000 420.83 LEXINGTON SC 29073 1 03/18/05 00 0439150178 05 05/01/05 0.0000 94031188 O 04/01/35 0 9884587 H81/G02 F 135,000.00 ZZ 360 134,886.59 1 6.8750 886.85 94 6.6250 886.85 NILES MI 49120 2 03/29/05 10 0439147000 05 05/01/05 30.0000 40050645 O 04/01/35 0 9885259 E82/G02 F 116,600.00 ZZ 360 116,600.00 1 6.3750 727.43 72 6.1250 727.43 ESPERANCE NY 12066 2 04/08/05 00 0401102629 05 06/01/05 0.0000 0401102629 O 05/01/35 0 9885263 E82/G02 F 98,500.00 ZZ 360 98,500.00 2 6.7500 638.87 64 6.5000 638.87 CLEARWATER FL 33756 2 04/12/05 00 0401071451 05 06/01/05 0.0000 0401071451 N 05/01/35 0 9885285 E82/G02 F 172,000.00 ZZ 360 172,000.00 1 6.2500 1059.03 81 6.0000 1059.03 ST LOUIS PARK MN 55426 2 04/08/05 04 0401102728 05 06/01/05 12.0000 0401102728 O 05/01/35 0 9885303 E22/G02 F 70,500.00 ZZ 360 70,500.00 1 5.7500 337.81 75 5.5000 337.81 TAMARAC FL 33321 2 04/08/05 00 0423675743 01 06/01/05 0.0000 0423675743 N 05/01/35 0 9885307 E22/G02 F 73,000.00 ZZ 360 73,000.00 1 5.7500 349.79 73 5.5000 349.79 HOLLYWOOD FL 33020 2 04/08/05 00 0423681329 01 06/01/05 0.0000 0423681329 N 05/01/35 0 9885311 E22/G02 F 70,500.00 ZZ 360 70,500.00 1 5.7500 337.81 75 5.5000 337.81 TAMARAC FL 33321 2 04/08/05 00 0423681741 01 06/01/05 0.0000 0423681741 N 05/01/35 0 9885321 E22/G02 F 126,350.00 ZZ 360 126,350.00 1 6.6250 809.03 95 6.3750 809.03 LAPEER MI 48446 5 04/06/05 04 0423685031 05 06/01/05 30.0000 0423685031 O 05/01/35 0 9885325 E22/U57 F 80,275.00 ZZ 360 80,275.00 1 6.6250 514.01 95 6.3750 514.01 HOUSTON TX 77073 1 04/08/05 04 0423685833 05 06/01/05 30.0000 0423685833 N 05/01/35 0 9885327 E22/G02 F 80,800.00 TX 360 80,800.00 1 6.5000 510.71 80 6.2500 510.71 HOUSTON TX 77086 5 04/04/05 00 0423686054 03 06/01/05 0.0000 0423686054 O 05/01/35 0 9885331 E22/U57 F 175,000.00 ZZ 360 175,000.00 1 6.3750 1091.77 70 6.1250 1091.77 YELM WA 98597 5 04/05/05 00 0423691781 05 06/01/05 0.0000 0423691781 N 05/01/35 0 9885335 E22/U57 F 98,900.00 ZZ 360 98,900.00 1 6.7500 641.46 90 6.5000 641.46 SYLVA NC 28779 1 04/11/05 04 0423694256 05 06/01/05 30.0000 0423694256 O 05/01/35 0 9885355 E22/G02 F 180,000.00 TX 360 180,000.00 1 6.2500 1108.29 80 6.0000 1108.29 HOUSTON TX 77080 5 04/05/05 00 0423699966 03 06/01/05 0.0000 0423699966 O 05/01/35 0 9885367 E22/U57 F 144,000.00 ZZ 360 144,000.00 3 7.0000 958.04 80 6.7500 958.04 OMAHA NE 68105 1 04/11/05 00 0423706472 05 06/01/05 0.0000 0423706472 N 05/01/35 0 9885375 E22/U57 F 268,000.00 ZZ 360 268,000.00 1 6.2500 1650.12 74 6.0000 1650.12 ORANGEVALE CA 95662 5 04/04/05 00 0423710045 05 06/01/05 0.0000 0423710045 O 05/01/35 0 9885377 E22/G02 F 236,000.00 ZZ 360 236,000.00 1 7.0000 1570.11 80 6.7500 1570.11 O'FALLON MO 63366 2 04/05/05 00 0423710433 03 06/01/05 0.0000 0423710433 O 05/01/35 0 9885383 E22/G02 F 78,500.00 ZZ 360 78,500.00 1 6.0000 392.50 69 5.7500 392.50 MANDEVILLE LA 70471 2 04/08/05 00 0423711746 05 06/01/05 0.0000 0423711746 N 05/01/35 0 9885387 E22/G02 F 169,000.00 ZZ 360 169,000.00 1 6.0000 845.00 67 5.7500 845.00 MANDEVILLE LA 70448 2 04/08/05 00 0423711894 05 06/01/05 0.0000 0423711894 N 05/01/35 0 9885389 E22/G02 F 54,000.00 ZZ 360 54,000.00 4 7.3750 372.96 90 7.1250 372.96 DAYTON OH 45405 1 04/11/05 04 0423712975 05 06/01/05 25.0000 0423712975 N 05/01/35 0 9885397 E22/G02 F 225,000.00 T 360 225,000.00 1 6.3750 1403.71 75 6.1250 1403.71 GALVESTON TX 77554 2 04/11/05 00 0423718212 05 06/01/05 0.0000 0423718212 O 05/01/35 0 9885399 E22/U57 F 42,000.00 ZZ 360 42,000.00 1 6.8750 275.91 75 6.6250 275.91 WAYNESVILLE NC 28786 5 04/11/05 00 0423720374 05 06/01/05 0.0000 0423720374 N 05/01/35 0 9885409 E22/G02 F 121,500.00 ZZ 360 121,392.80 1 6.6250 777.98 90 6.3750 777.98 TERRY MS 39170 5 04/05/05 10 0423728690 05 05/01/05 25.0000 0423728690 O 04/01/35 0 9885453 E22/G02 F 60,000.00 T 360 60,000.00 1 6.6250 384.19 65 6.3750 384.19 RANGELEY ME 04970 5 04/11/05 00 0423761188 05 06/01/05 0.0000 0423761188 O 05/01/35 0 9885455 E22/G02 F 98,000.00 ZZ 360 98,000.00 1 6.3750 611.39 80 6.1250 611.39 ABSECON NJ 08201 2 04/11/05 00 0423761931 01 06/01/05 0.0000 0423761931 N 05/01/35 0 9885457 E22/G02 F 50,000.00 TX 360 50,000.00 1 6.5000 316.03 77 6.2500 316.03 HOUSTON TX 77053 5 04/06/05 00 0423763234 05 06/01/05 0.0000 0423763234 O 05/01/35 0 9885469 E22/G02 F 252,000.00 ZZ 360 252,000.00 1 6.5000 1592.81 80 6.2500 1592.81 ARVADA CO 80004 2 04/05/05 00 0423773480 05 06/01/05 0.0000 0423773480 O 05/01/35 0 9885471 E22/G02 F 50,058.00 ZZ 360 50,058.00 1 6.7500 324.68 90 6.5000 324.68 THE WOODLANDS TX 77381 1 04/11/05 04 0423775576 01 06/01/05 25.0000 0423775576 N 05/01/35 0 9885475 E22/G02 F 123,480.00 ZZ 360 123,480.00 1 6.6250 790.66 80 6.3750 790.66 VANCOUVER WA 98660 1 04/01/05 00 0423779214 05 06/01/05 0.0000 0423779214 N 05/01/35 0 9885479 E22/G02 F 53,325.00 ZZ 360 53,325.00 4 7.1250 359.26 90 6.8750 359.26 SOUTH BEND IN 46613 1 04/11/05 04 0423781848 05 06/01/05 25.0000 0423781848 N 05/01/35 0 9885497 E22/U57 F 106,000.00 ZZ 360 106,000.00 1 6.6250 678.73 80 6.3750 678.73 COLDWATER MS 38618 1 04/11/05 00 0423803725 05 06/01/05 0.0000 0423803725 O 05/01/35 0 9885513 E22/G02 F 84,800.00 ZZ 360 84,800.00 1 6.3750 529.04 80 6.1250 529.04 NAMPA ID 83651 2 04/05/05 00 0423821347 05 06/01/05 0.0000 0423821347 O 05/01/35 0 9885537 E22/U57 F 58,000.00 TX 360 58,000.00 1 6.8750 381.02 64 6.6250 381.02 HOUSTON TX 77023 5 04/06/05 00 0423841840 05 06/01/05 0.0000 0423841840 O 05/01/35 0 9885541 E22/U57 F 110,100.00 ZZ 360 110,100.00 2 7.0000 732.50 90 6.7500 732.50 FORT MYERS FL 33907 1 04/11/05 10 0423843283 05 06/01/05 25.0000 0423843283 N 05/01/35 0 9885543 E22/U57 F 110,100.00 ZZ 360 110,100.00 2 7.3750 760.43 90 7.1250 760.43 FORT MYERS FL 33907 1 04/11/05 10 0423843465 05 06/01/05 25.0000 0423843465 N 05/01/35 0 9885547 E22/U57 F 107,910.00 ZZ 360 107,910.00 2 7.3750 745.31 90 7.1250 745.31 FORT MYERS FL 33907 1 04/11/05 10 0423844232 05 06/01/05 25.0000 0423844232 N 05/01/35 0 9885551 E22/U57 F 107,910.00 ZZ 360 107,910.00 2 7.3750 745.31 90 7.1250 745.31 FORT MYERS FL 33907 1 04/11/05 10 0423849298 05 06/01/05 25.0000 0423849298 N 05/01/35 0 9885555 E22/G02 F 355,000.00 ZZ 360 355,000.00 1 6.7500 1996.88 59 6.5000 1996.88 FORT LAUDERDALFL 33305 1 04/11/05 00 0423855378 06 06/01/05 0.0000 0423855378 O 05/01/35 0 9885595 E22/G02 F 97,300.00 ZZ 360 97,300.00 1 6.0000 486.50 70 5.7500 486.50 MANDEVILLE LA 70448 2 04/08/05 00 0423930528 05 06/01/05 0.0000 0423930528 N 05/01/35 0 9885597 E22/G02 F 91,000.00 ZZ 360 91,000.00 1 6.0000 455.00 74 5.7500 455.00 MANDEVILLE LA 70448 2 04/08/05 00 0423930585 05 06/01/05 0.0000 0423930585 N 05/01/35 0 9885629 E22/U57 F 164,000.00 ZZ 360 164,000.00 1 6.3750 1023.15 80 6.1250 1023.15 WILMINGTON NC 28412 2 04/06/05 00 0423525997 09 06/01/05 0.0000 0423525997 O 05/01/35 0 9885631 E22/U57 F 496,000.00 ZZ 360 496,000.00 1 6.0000 2973.77 80 5.7500 2973.77 GERMANTOWN MD 20876 5 04/01/05 00 0423534536 03 06/01/05 0.0000 0423534536 O 05/01/35 0 9885643 E22/G02 F 78,400.00 ZZ 360 78,400.00 1 6.2500 482.72 80 6.0000 482.72 AUSTIN TX 78745 1 04/06/05 00 0423550961 05 06/01/05 0.0000 0423550961 N 05/01/35 0 9885647 E22/U57 F 248,000.00 ZZ 360 248,000.00 1 6.2500 1526.98 80 6.0000 1526.98 ORLANDO FL 32825 5 04/06/05 00 0423556034 05 06/01/05 0.0000 0423556034 O 05/01/35 0 9885651 E22/U57 F 100,000.00 ZZ 360 100,000.00 1 6.7500 648.60 80 6.5000 648.60 OMAHA NE 68154 5 04/11/05 00 0423572197 05 06/01/05 0.0000 0423572197 N 05/01/35 0 9885657 E22/U57 F 45,600.00 ZZ 360 45,600.00 1 7.6250 322.75 80 7.3750 322.75 CROPWELL AL 35054 1 04/11/05 00 0423579457 05 06/01/05 0.0000 0423579457 O 05/01/35 0 9885673 E22/G02 F 285,400.00 ZZ 360 285,400.00 1 6.0000 1711.12 68 5.7500 1711.12 WOODINVILLE WA 98072 2 04/05/05 00 0423617307 05 06/01/05 0.0000 0423617307 O 05/01/35 0 9885675 E22/G02 F 102,000.00 ZZ 360 102,000.00 1 6.5000 644.71 80 6.2500 644.71 BARSTOW CA 92311 1 04/01/05 00 0423620806 05 06/01/05 0.0000 0423620806 N 05/01/35 0 9885699 E22/G02 F 155,800.00 ZZ 360 155,800.00 1 7.3750 957.52 95 7.1250 957.52 FRAMINGHAM MA 01701 1 03/31/05 10 0423329820 01 05/01/05 30.0000 0423329820 O 04/01/35 0 9885701 E22/G02 F 140,000.00 ZZ 360 140,000.00 1 6.1250 714.58 80 5.8750 714.58 WINCHESTER VA 22602 1 04/11/05 00 0423352319 09 06/01/05 0.0000 0423352319 N 05/01/35 0 9885703 E22/U57 F 463,000.00 ZZ 360 463,000.00 4 6.2500 2850.77 76 6.0000 2850.77 NORTH ARLINGTONJ 07031 5 04/06/05 00 0423380567 05 06/01/05 0.0000 0423380567 O 05/01/35 0 9885713 E22/U57 F 127,200.00 ZZ 360 127,200.00 1 6.2500 783.19 80 6.0000 783.19 OXFORD MS 38655 2 04/08/05 00 0423410786 05 06/01/05 0.0000 0423410786 O 05/01/35 0 9885741 E22/G02 F 189,375.00 ZZ 360 189,375.00 2 6.6250 1212.59 75 6.3750 1212.59 DEXTER MI 48130 1 04/11/05 00 0423649193 05 06/01/05 0.0000 0423649193 N 05/01/35 0 9885743 E22/G02 F 156,800.00 TX 360 156,800.00 1 6.3750 978.23 80 6.1250 978.23 SUNNYVALE TX 75182 5 04/05/05 00 0423651355 05 06/01/05 0.0000 0423651355 O 05/01/35 0 9885745 E22/U57 F 266,250.00 ZZ 240 266,250.00 1 6.1250 1926.75 70 5.8750 1926.75 BETHLEHEM CT 06751 5 04/05/05 00 0423660455 05 06/01/05 0.0000 0423660455 O 05/01/25 0 9885749 E22/G02 F 383,600.00 ZZ 360 383,600.00 1 6.0000 2299.88 70 5.7500 2299.88 DRACUT MA 01826 5 04/06/05 00 0423669068 05 06/01/05 0.0000 0423669068 O 05/01/35 0 9886213 A52/G02 F 181,058.00 ZZ 360 181,058.00 1 6.6250 1159.33 80 6.3750 1159.33 WESLEY CHAPEL FL 33543 1 04/11/05 00 0439153735 03 06/01/05 0.0000 33021 O 05/01/35 0 9886229 U05/G02 F 136,800.00 ZZ 360 136,685.07 3 6.8750 898.68 90 6.6250 898.68 PHILADELPHIA PA 19144 1 04/04/05 10 0439143926 05 05/01/05 25.0000 3000695629 N 04/01/35 0 9886237 U05/G02 F 66,300.00 T 360 66,244.30 1 6.8750 435.54 80 6.6250 435.54 LAGUNA VISTA TX 78578 1 03/28/05 00 0439195249 01 05/01/05 0.0000 3000732541 O 04/01/35 0 9886245 144/144 F 176,000.00 ZZ 360 175,820.56 1 5.8750 1041.11 80 5.6250 1041.11 POUGHKEEPSIE NY 12601 5 03/11/05 00 160767418 05 05/01/05 0.0000 160767418 N 04/01/35 0 9886401 144/144 F 312,000.00 ZZ 360 311,689.40 1 6.0000 1870.60 80 5.7500 1870.60 ULSTER NY 12498 1 04/01/05 00 160768283 05 05/01/05 0.0000 160768283 N 04/01/35 0 9886535 N74/U57 F 91,000.00 ZZ 360 90,913.66 1 6.2500 560.30 80 6.0000 560.30 LEXINGTON NC 27292 2 03/31/05 00 0439168550 05 05/01/05 0.0000 0036061010 N 04/01/35 0 9886563 P60/G02 F 448,000.00 ZZ 360 448,000.00 4 6.7500 2905.72 70 6.5000 2905.72 COLUMBUS OH 43221 2 04/12/05 00 0439152414 05 06/01/05 0.0000 1310862537 N 05/01/35 0 9888539 E22/G02 F 83,200.00 ZZ 360 83,200.00 1 6.5000 525.88 80 6.2500 525.88 COLORADO SPRINCO 80916 1 04/12/05 00 0423927847 01 06/01/05 0.0000 0423927847 N 05/01/35 0 9888541 E22/G02 F 202,425.00 ZZ 360 202,425.00 1 6.1250 1229.96 75 5.8750 1229.96 EUGENE OR 97401 1 04/07/05 00 0423929850 05 06/01/05 0.0000 0423929850 O 05/01/35 0 9888567 E22/G02 F 144,000.00 ZZ 360 144,000.00 1 6.3750 898.37 62 6.1250 898.37 RIO LINDA CA 95673 5 04/04/05 00 0423873181 05 06/01/05 0.0000 0423873181 N 05/01/35 0 9888573 E22/G02 F 157,605.00 ZZ 360 157,605.00 1 6.8750 902.95 95 6.6250 902.95 MOBILE AL 36695 5 04/07/05 04 0423883537 05 06/01/05 30.0000 0423883537 O 05/01/35 0 9888581 E22/G02 F 157,500.00 ZZ 360 157,500.00 4 6.7500 885.94 75 6.5000 885.94 SALT LAKE CITYUT 84105 1 04/06/05 00 0423902154 05 06/01/05 0.0000 0423902154 N 05/01/35 0 9888607 E22/U57 F 100,528.00 ZZ 360 100,528.00 1 6.5000 635.41 80 6.2500 635.41 OMAHA NE 68104 1 04/12/05 00 0423837467 05 06/01/05 0.0000 0423837467 O 05/01/35 0 9888615 E22/G02 F 77,000.00 ZZ 360 77,000.00 1 6.7500 499.42 74 6.5000 499.42 GOOSE CREEK SC 29445 1 04/12/05 00 0423848746 05 06/01/05 0.0000 0423848746 N 05/01/35 0 9888621 E22/U57 F 54,150.00 ZZ 360 54,150.00 1 7.1250 364.82 95 6.8750 364.82 SAN ANTONIO TX 78223 1 04/12/05 01 0423854900 05 06/01/05 30.0000 0423854900 N 05/01/35 0 9888625 E22/U57 F 460,000.00 ZZ 360 460,000.00 1 6.7500 2983.55 80 6.5000 2983.55 ROXBURY NJ 07850 5 04/07/05 00 0423811009 05 06/01/05 0.0000 0423811009 O 05/01/35 0 9888643 E22/U57 F 81,000.00 ZZ 360 81,000.00 1 7.0000 538.90 80 6.7500 538.90 CLIFTON CO 81520 5 04/07/05 00 0423795301 03 06/01/05 0.0000 0423795301 O 05/01/35 0 9888651 E22/G02 F 130,000.00 ZZ 360 130,000.00 1 6.3750 811.03 56 6.1250 811.03 REDMOND WA 98052 5 04/06/05 00 0423800234 01 06/01/05 0.0000 0423800234 O 05/01/35 0 9888673 E22/U57 F 115,425.00 ZZ 360 115,425.00 2 6.5000 729.56 95 6.2500 729.56 DURHAM NC 27705 1 04/12/05 01 0423742709 05 06/01/05 30.0000 0423742709 N 05/01/35 0 9888681 E22/U57 F 155,000.00 ZZ 360 155,000.00 1 6.7500 1005.33 94 6.5000 1005.33 SEMINOLE FL 33772 5 04/07/05 10 0423748557 05 06/01/05 30.0000 0423748557 O 05/01/35 0 9888683 E22/G02 F 188,000.00 ZZ 360 188,000.00 1 5.8750 1112.09 73 5.6250 1112.09 NORTH PORT FL 34288 5 04/07/05 00 0423748698 05 06/01/05 0.0000 0423748698 O 05/01/35 0 9888685 E22/G02 F 91,000.00 ZZ 360 91,000.00 1 6.7500 590.22 64 6.5000 590.22 SANFORD FL 32771 2 04/07/05 00 0423749027 03 06/01/05 0.0000 0423749027 O 05/01/35 0 9888693 E22/G02 F 84,000.00 ZZ 360 84,000.00 1 6.3750 524.05 80 6.1250 524.05 PUEBLO CO 81003 1 04/12/05 00 0423758309 05 06/01/05 0.0000 0423758309 N 05/01/35 0 9888725 E22/G02 F 165,600.00 ZZ 360 165,600.00 4 6.6250 1060.35 90 6.3750 1060.35 HARVEY LA 70058 1 04/08/05 10 0423708809 05 06/01/05 25.0000 0423708809 N 05/01/35 0 9888733 E22/G02 F 68,000.00 ZZ 360 68,000.00 1 6.5000 429.81 80 6.2500 429.81 TULSA OK 74114 2 04/07/05 00 0423718899 05 06/01/05 0.0000 0423718899 O 05/01/35 0 9888735 E22/G02 F 129,100.00 ZZ 360 129,100.00 1 6.2500 794.89 80 6.0000 794.89 OLYMPIA WA 98503 1 04/05/05 00 0423722461 03 06/01/05 0.0000 0423722461 N 05/01/35 0 9888737 E22/G02 F 147,000.00 TX 360 147,000.00 1 6.3750 917.09 59 6.1250 917.09 DENTON TX 76208 5 04/07/05 00 0423724319 05 06/01/05 0.0000 0423724319 O 05/01/35 0 9888745 E22/G02 F 164,998.00 ZZ 360 164,998.00 1 6.5000 1042.90 90 6.2500 1042.90 BILOXI MS 39532 1 04/12/05 10 0423592872 05 06/01/05 25.0000 0423592872 N 05/01/35 0 9888765 E22/G02 F 177,000.00 ZZ 360 177,000.00 1 6.6250 1133.35 85 6.3750 1133.35 FRANKFORT KY 30601 5 04/07/05 04 0423647510 05 06/01/05 12.0000 0423647510 O 05/01/35 0 9888795 E22/G02 F 125,000.00 T 360 125,000.00 1 6.5000 790.09 28 6.2500 790.09 DUNNSVILLE VA 22454 5 04/12/05 00 0423521822 05 06/01/05 0.0000 0423521822 O 05/01/35 0 9888799 E22/G02 F 68,000.00 TX 360 68,000.00 1 6.3750 424.23 70 6.1250 424.23 MAGNOLIA TX 77354 5 04/07/05 00 0423536028 05 06/01/05 0.0000 0423536028 O 05/01/35 0 9888813 E22/G02 F 72,000.00 ZZ 360 72,000.00 1 6.6250 461.02 80 6.3750 461.02 YPSILANTI MI 48198 1 04/12/05 00 0423562396 05 06/01/05 0.0000 0423562396 N 05/01/35 0 9888831 E22/G02 F 73,050.00 ZZ 360 73,050.00 4 6.8750 479.89 75 6.6250 479.89 IONIA MI 48846 1 04/12/05 00 0423265669 05 06/01/05 0.0000 0423265669 N 05/01/35 0 9888839 E22/G02 F 76,000.00 ZZ 360 76,000.00 1 6.5000 480.37 80 6.2500 480.37 LINCOLN PARK MI 48146 5 04/07/05 00 0423408624 05 06/01/05 0.0000 0423408624 O 05/01/35 0 9888851 E22/U57 F 148,900.00 ZZ 360 148,900.00 1 6.1250 904.73 58 5.8750 904.73 FREDERICK MD 21702 5 04/13/05 00 0423463421 05 06/01/05 0.0000 0423463421 N 05/01/35 0 9889173 E11/G02 F 122,400.00 ZZ 360 122,400.00 1 6.3750 763.62 80 6.1250 763.62 WILLERNIE MN 55090 1 04/08/05 00 0439213364 05 06/01/05 0.0000 0012001078111 N 05/01/35 0 9889181 X64/G02 F 84,000.00 ZZ 360 84,000.00 1 6.5000 530.94 74 6.2500 530.94 DETROIT MI 48235 5 04/11/05 00 0439164161 05 06/01/05 0.0000 0000042652 O 05/01/35 0 9889185 025/G02 F 388,500.00 ZZ 360 388,131.37 1 6.2500 2392.07 77 6.0000 2392.07 CARROLLTON GA 30116 2 03/25/05 00 0439169731 05 05/01/05 0.0000 150033601238 O 04/01/35 0 9889225 F62/F62 F 212,000.00 ZZ 360 212,000.00 1 6.5000 1339.98 80 6.2500 1339.98 MIAMI FL 33193 1 04/05/05 00 45543 05 06/01/05 0.0000 45543 O 05/01/35 0 9889281 742/G02 F 140,505.00 ZZ 360 140,374.86 3 6.3750 876.57 95 6.1250 876.57 HUMMELSTOWN PA 17036 1 03/29/05 11 0439156563 05 05/01/05 30.0000 0010725950 O 04/01/35 0 9889287 W02/G02 F 51,200.00 ZZ 360 51,200.00 1 5.8750 302.87 80 5.6250 302.87 BETHEL SPRINGSTN 38315 5 04/06/05 00 0439152976 05 06/01/05 0.0000 0090106665 O 05/01/35 0 9889297 E11/G02 F 122,300.00 E 360 122,300.00 1 6.3750 762.99 79 6.1250 762.99 ROCHESTER MN 55901 1 04/11/05 00 0439195462 05 06/01/05 0.0000 0008001076261 N 05/01/35 0 9889343 025/G02 F 112,000.00 ZZ 360 111,898.75 1 6.5000 707.92 80 6.2500 707.92 LAWRENCEVILLE GA 30045 1 03/25/05 00 0439171471 05 05/01/05 0.0000 150033596974 N 04/01/35 0 9889573 E82/G02 F 115,700.00 ZZ 360 115,700.00 1 6.1250 703.00 67 5.8750 703.00 BELLINGHAM WA 98226 2 04/06/05 00 0401100607 05 06/01/05 0.0000 0401100607 O 05/01/35 0 9889577 E82/G02 F 88,000.00 ZZ 360 88,000.00 2 6.2500 541.83 80 6.0000 541.83 LEE'S SUMMIT MO 64063 2 04/05/05 00 0401105317 05 06/01/05 0.0000 0401105317 O 05/01/35 0 9889715 E22/G02 F 72,000.00 ZZ 360 72,000.00 4 7.0000 479.02 90 6.7500 479.02 DAYTON OH 45406 1 04/13/05 04 0423904945 05 06/01/05 25.0000 0423904945 N 05/01/35 0 9889767 E22/U57 F 292,000.00 ZZ 360 292,000.00 1 7.2500 1991.95 80 7.0000 1991.95 PORTLAND OR 97230 1 04/08/05 00 0423882273 05 06/01/05 0.0000 0423882273 O 05/01/35 0 9889771 E22/G02 F 78,826.00 ZZ 360 78,826.00 1 6.5000 498.23 79 6.2500 498.23 BURLEY ID 83318 1 04/08/05 00 0423841030 05 06/01/05 0.0000 0423841030 O 05/01/35 0 9889785 E22/G02 F 98,400.00 ZZ 360 98,400.00 1 7.3750 679.62 80 7.1250 679.62 WEST PALM BEACFL 33407 1 04/13/05 00 0423822998 05 06/01/05 0.0000 0423822998 N 05/01/35 0 9889793 E22/U57 F 140,000.00 ZZ 240 140,000.00 1 6.2500 1023.30 80 6.0000 1023.30 THORNTON CO 80229 2 04/07/05 00 0423828847 05 06/01/05 0.0000 0423828847 O 05/01/25 0 9889805 E22/G02 F 78,950.00 ZZ 360 78,950.00 1 6.3750 492.55 69 6.1250 492.55 ERLANGER KY 41018 2 04/08/05 00 0423838184 05 06/01/05 0.0000 0423838184 O 05/01/35 0 9889811 E22/G02 F 99,200.00 TX 360 99,200.00 1 6.3750 618.88 80 6.1250 618.88 MISSOURI CITY TX 77459 5 04/08/05 00 0423768241 03 06/01/05 0.0000 0423768241 O 05/01/35 0 9889813 E22/U57 F 98,000.00 ZZ 360 98,000.00 1 6.6250 627.50 70 6.3750 627.50 CLEARWATER FL 33759 1 04/11/05 00 0423768530 01 06/01/05 0.0000 0423768530 O 05/01/35 0 9889863 E22/G02 F 224,000.00 ZZ 360 224,000.00 1 6.7500 1452.86 80 6.5000 1452.86 SOUTH BURLINGTVT 05403 5 04/08/05 00 0423739374 05 06/01/05 0.0000 0423739374 O 05/01/35 0 9889883 E22/U57 F 129,400.00 ZZ 360 129,400.00 1 6.6250 828.56 80 6.3750 828.56 NEWBERRY SC 29108 1 04/13/05 00 0423767060 05 06/01/05 0.0000 0423767060 O 05/01/35 0 9889887 E22/G02 F 359,650.00 ZZ 360 359,650.00 1 6.5000 2273.23 50 6.2500 2273.23 CAMINO CA 95709 2 04/05/05 00 0423733435 05 06/01/05 0.0000 0423733435 O 05/01/35 0 9889919 E22/G02 F 113,300.00 ZZ 360 113,300.00 4 7.1250 763.32 90 6.8750 763.32 HUNTSVILLE AL 35816 1 04/13/05 04 0423723378 05 06/01/05 25.0000 0423723378 N 05/01/35 0 9889927 E22/U57 F 76,000.00 ZZ 360 76,000.00 1 6.8750 499.27 95 6.6250 499.27 UMATILLA FL 32784 1 04/13/05 10 0423633635 05 06/01/05 30.0000 0423633635 N 05/01/35 0 9889967 E22/G02 F 75,500.00 ZZ 360 75,500.00 1 6.3750 471.02 78 6.1250 471.02 CLEARWATER FL 33755 2 04/08/05 00 0423564863 05 06/01/05 0.0000 0423564863 O 05/01/35 0 9889997 E22/U57 F 184,000.00 T 360 184,000.00 1 6.7500 1193.42 80 6.5000 1193.42 SEBASTIAN FL 32958 1 04/13/05 00 0423628700 05 06/01/05 0.0000 0423628700 O 05/01/35 0 9889999 E22/U57 F 250,000.00 ZZ 360 250,000.00 1 6.0000 1498.88 42 5.7500 1498.88 CLAREMONT CA 91711 5 04/04/05 00 0423546878 05 06/01/05 0.0000 0423546878 O 05/01/35 0 9890007 E22/G02 F 149,850.00 ZZ 360 149,850.00 1 6.8750 984.41 90 6.6250 984.41 QUITMAN AR 72131 2 04/08/05 10 0423399807 05 06/01/05 30.0000 0423399807 O 05/01/35 0 9890017 E22/G02 F 170,000.00 ZZ 360 170,000.00 1 7.0000 1131.01 88 6.7500 1131.01 HOLLYWOOD FL 33021 5 04/08/05 01 0423476845 05 06/01/05 25.0000 0423476845 O 05/01/35 0 9890025 E22/U57 F 110,400.00 TX 360 110,400.00 1 6.5000 697.80 80 6.2500 697.80 MISSOURI CITY TX 77459 5 04/08/05 00 0423506054 03 06/01/05 0.0000 0423506054 O 05/01/35 0 9890037 E22/G02 F 148,500.00 ZZ 360 148,500.00 1 6.7500 963.17 70 6.5000 963.17 SOUTH DAYTONA FL 32119 2 04/08/05 00 0423284975 05 06/01/05 0.0000 0423284975 O 05/01/35 0 9890071 E82/G02 F 77,800.00 ZZ 360 77,800.00 1 6.3750 485.37 87 6.1250 485.37 DETROIT MI 48224 2 04/11/05 04 0401093828 05 06/01/05 25.0000 0401093828 O 05/01/35 0 9890079 E82/G02 F 237,800.00 ZZ 360 237,800.00 1 6.0000 1425.73 86 5.7500 1425.73 NEWARK DE 19702 2 04/11/05 04 0401093323 05 06/01/05 25.0000 0401093323 O 05/01/35 0 9890085 E82/G02 F 321,650.00 ZZ 360 321,650.00 1 6.0000 1928.45 65 5.7500 1928.45 FRENCH CAMP CA 95231 2 04/11/05 00 0401100243 05 06/01/05 0.0000 0401100243 O 05/01/35 0 9890093 E82/G02 F 121,600.00 ZZ 360 121,600.00 1 6.5000 768.60 80 6.2500 768.60 SPOKANE WA 99206 5 04/11/05 00 0401081492 05 06/01/05 0.0000 0401081492 O 05/01/35 0 9890553 U85/G02 F 58,400.00 ZZ 360 58,400.00 1 6.8750 383.65 80 6.6250 383.65 MANCHESTER IA 52057 5 04/07/05 00 0439165077 05 06/01/05 0.0000 TQSMARKIN O 05/01/35 0 9890863 X64/U57 F 92,000.00 ZZ 360 92,000.00 1 6.6250 589.09 80 6.3750 589.09 DETROIT MI 48221 5 04/15/05 00 0439187766 05 06/01/05 0.0000 0000041617 N 05/01/35 0 9890965 N74/G02 F 92,500.00 ZZ 360 92,420.36 1 6.7500 599.95 68 6.5000 599.95 MADISON VA 22727 2 04/01/05 00 0439195272 05 05/06/05 0.0000 0036065010 O 04/06/35 0 9890991 N74/G02 F 160,000.00 ZZ 360 159,865.58 1 6.8750 1051.09 80 6.6250 1051.09 VIRGINIA BEACHVA 23452 5 03/31/05 00 0439184318 05 05/05/05 0.0000 0036044010 O 04/05/35 0 9890999 N74/U57 F 180,000.00 ZZ 360 180,000.00 1 6.7500 1167.48 79 6.5000 1167.48 GREENSBORO NC 27455 5 03/31/05 00 0439152224 05 06/01/05 0.0000 0036058011 O 05/01/35 0 9891107 P27/U57 F 172,000.00 ZZ 360 171,844.51 1 6.5000 1087.16 80 6.2500 1087.16 LURAY VA 22835 5 03/24/05 00 0439193186 05 05/01/05 0.0000 3212710813 O 04/01/35 0 9891213 E22/G02 F 72,000.00 ZZ 360 72,000.00 2 6.6250 461.02 80 6.3750 461.02 SPARTANBURG SC 29307 5 04/14/05 00 0423646306 05 06/01/05 0.0000 0423646306 N 05/01/35 0 9891215 E22/G02 F 113,905.00 ZZ 360 113,905.00 1 6.8750 748.27 95 6.6250 748.27 CRESTVIEW FL 32539 1 04/14/05 04 0423646611 05 06/01/05 35.0000 0423646611 O 05/01/35 0 9891219 E22/G02 F 190,000.00 ZZ 360 190,000.00 1 6.5000 1200.93 54 6.2500 1200.93 MONTCLAIR CA 91763 5 04/01/05 00 0423655448 05 06/01/05 0.0000 0423655448 O 05/01/35 0 9891227 E22/U57 F 71,250.00 ZZ 360 71,250.00 1 6.8750 468.06 95 6.6250 468.06 ANNISTON AL 36206 1 04/14/05 10 0423668854 05 06/01/05 30.0000 0423668854 N 05/01/35 0 9891231 E22/U57 F 157,200.00 ZZ 360 157,200.00 1 6.8750 1032.69 80 6.6250 1032.69 STRAFFORD MO 65757 1 04/14/05 00 0423682954 05 06/01/05 0.0000 0423682954 O 05/01/35 0 9891237 E22/U57 F 164,000.00 ZZ 360 164,000.00 1 5.8750 970.12 80 5.6250 970.12 PUYALLUP WA 98375 2 04/08/05 00 0423690999 05 06/01/05 0.0000 0423690999 O 05/01/35 0 9891239 E22/G02 F 278,100.00 ZZ 360 278,100.00 4 6.6250 1780.70 90 6.3750 1780.70 WEST RICHLAND WA 99353 1 04/11/05 10 0423694967 05 06/01/05 25.0000 0423694967 O 05/01/35 0 9891241 E22/G02 F 85,000.00 ZZ 360 85,000.00 1 6.3750 530.29 48 6.1250 530.29 SPRING HILL FL 34608 1 04/12/05 00 0423695907 05 06/01/05 0.0000 0423695907 O 05/01/35 0 9891245 E22/U57 F 110,600.00 ZZ 360 110,600.00 1 6.6250 708.18 79 6.3750 708.18 ANTIOCH TN 37013 5 04/08/05 00 0423704675 05 06/01/05 0.0000 0423704675 O 05/01/35 0 9891261 E22/U57 F 196,000.00 ZZ 360 196,000.00 1 6.0000 1175.12 80 5.7500 1175.12 SUQUAMISH WA 98392 5 04/08/05 00 0423730639 05 06/01/05 0.0000 0423730639 O 05/01/35 0 9891279 E22/G02 F 117,750.00 ZZ 360 117,750.00 1 6.6250 753.97 75 6.3750 753.97 AUSTIN TX 78723 2 04/14/05 00 0423745603 05 06/01/05 0.0000 0423745603 N 05/01/35 0 9891287 E22/G02 F 461,840.00 ZZ 360 461,840.00 1 6.3750 2881.28 80 6.1250 2881.28 ROCKWALL TX 75087 4 04/14/05 00 0423757707 05 06/01/05 0.0000 0423757707 O 05/01/35 0 9891289 E22/G02 F 86,850.00 ZZ 360 86,850.00 1 7.0000 577.82 90 6.7500 577.82 CHARLOTTE NC 28205 2 04/14/05 04 0421694548 05 06/01/05 25.0000 0421694548 N 05/01/35 0 9891307 E22/U57 F 208,000.00 ZZ 360 208,000.00 1 6.2500 1083.33 80 6.0000 1083.33 BELLEVUE WA 98004 2 04/06/05 00 0423383223 01 06/01/05 0.0000 0423383223 O 05/01/35 0 9891311 E22/G02 F 65,200.00 ZZ 360 65,200.00 2 6.8750 428.32 80 6.6250 428.32 PHILADELPHIA PA 19145 5 04/14/05 00 0423406263 05 06/01/05 0.0000 0423406263 N 05/01/35 0 9891317 E22/G02 F 55,200.00 ZZ 360 55,200.00 1 6.3750 344.38 80 6.1250 344.38 TWIN FALLS ID 83301 2 04/12/05 00 0423416171 05 06/01/05 0.0000 0423416171 N 05/01/35 0 9891359 E22/G02 F 85,000.00 ZZ 360 85,000.00 1 6.0000 509.62 23 5.7500 509.62 CLOVIS CA 93619 1 04/11/05 00 0423632728 05 06/01/05 0.0000 0423632728 O 05/01/35 0 9891365 E22/U57 F 121,600.00 ZZ 360 121,600.00 1 7.3750 839.86 95 7.1250 839.86 NOBLESVILLE IN 46060 1 04/14/05 04 0423758341 03 06/01/05 30.0000 0423758341 N 05/01/35 0 9891373 E22/U57 F 81,900.00 ZZ 360 81,900.00 2 7.2500 558.70 90 7.0000 558.70 NEW ORLEANS LA 70113 1 04/14/05 10 0423764133 05 06/01/05 25.0000 0423764133 N 05/01/35 0 9891385 E22/U57 F 114,750.00 ZZ 360 114,750.00 1 6.3750 609.61 75 6.1250 609.61 PHOENIX AZ 85006 2 04/08/05 00 0423774405 05 06/01/05 0.0000 0423774405 N 05/01/35 0 9891387 E22/U57 F 120,000.00 ZZ 360 120,000.00 1 6.3750 637.50 75 6.1250 637.50 PHOENIX AZ 85042 2 04/08/05 00 0423774470 05 06/01/05 0.0000 0423774470 N 05/01/35 0 9891413 E22/U57 F 65,455.00 ZZ 360 65,455.00 1 6.8750 429.99 95 6.6250 429.99 KATY TX 77449 1 04/14/05 10 0423907112 09 06/01/05 30.0000 0423907112 N 05/01/35 0 9891415 E22/G02 F 134,925.00 ZZ 360 134,925.00 1 6.2500 830.76 75 6.0000 830.76 OLYMPIA WA 98501 1 04/12/05 00 0423908755 05 06/01/05 0.0000 0423908755 N 05/01/35 0 9891429 E22/G02 F 281,600.00 ZZ 360 281,600.00 1 6.3750 1756.82 80 6.1250 1756.82 BELLEVUE WA 98007 1 04/13/05 00 0423934348 05 06/01/05 0.0000 0423934348 N 05/01/35 0 9891437 E22/U57 F 204,000.00 ZZ 360 204,000.00 1 7.2500 1232.50 80 7.0000 1232.50 SCOTTSDALE AZ 85251 1 04/12/05 00 0423949155 05 06/01/05 0.0000 0423949155 O 05/01/35 0 9891441 E22/G02 F 189,000.00 ZZ 360 189,000.00 1 6.0000 1133.15 70 5.7500 1133.15 METAIRIE LA 70002 1 04/14/05 00 0423953207 05 06/01/05 0.0000 0423953207 O 05/01/35 0 9891449 E22/G02 F 220,000.00 ZZ 360 219,796.24 2 6.3750 1372.51 80 6.1250 1372.51 MANVILLE NJ 08835 1 04/01/05 00 0423865146 05 05/01/05 0.0000 0423865146 N 04/01/35 0 9891463 E22/U57 F 102,000.00 ZZ 360 102,000.00 2 6.8750 584.38 80 6.6250 584.38 CINCINNATI OH 45227 1 04/14/05 00 0423886415 05 06/01/05 0.0000 0423886415 O 05/01/35 0 9891465 E22/G02 F 311,500.00 ZZ 360 311,500.00 3 6.3750 1943.35 60 6.1250 1943.35 LAWNDALE CA 90260 2 04/07/05 00 0423887603 05 06/01/05 0.0000 0423887603 N 05/01/35 0 9891487 E22/U57 F 122,550.00 ZZ 360 122,550.00 1 7.2500 836.01 95 7.0000 836.01 LARGO FL 33773 1 04/14/05 04 0423812171 05 06/01/05 30.0000 0423812171 N 05/01/35 0 9891493 E22/G02 F 75,600.00 ZZ 360 75,600.00 2 6.8750 496.64 80 6.6250 496.64 PHILADELPHIA PA 19145 5 04/14/05 00 0423822246 05 06/01/05 0.0000 0423822246 N 05/01/35 0 9891507 E22/G02 F 208,000.00 ZZ 360 208,000.00 2 6.6250 1148.33 80 6.3750 1148.33 SALT LAKE CITYUT 84106 1 04/11/05 00 0423838010 05 06/01/05 0.0000 0423838010 O 05/01/35 0 9891523 E82/G02 F 92,000.00 ZZ 360 92,000.00 1 6.3750 573.96 64 6.1250 573.96 BAKERSFIELD CA 93308 5 04/13/05 00 0401093281 05 06/01/05 0.0000 0401093281 O 05/01/35 0 9891549 E82/G02 F 115,650.00 ZZ 360 115,650.00 1 6.5000 730.99 64 6.2500 730.99 BRANDON FL 33511 2 04/13/05 00 0401108816 03 06/01/05 0.0000 0401108816 N 05/01/35 0 9891553 E82/G02 F 111,300.00 ZZ 360 111,300.00 1 6.1250 676.27 39 5.8750 676.27 HOLMES NY 12531 2 04/12/05 00 0401089404 05 06/01/05 0.0000 0401089404 O 05/01/35 0 9891555 E82/G02 F 147,000.00 ZZ 360 147,000.00 1 6.1250 893.19 74 5.8750 893.19 HYATTSVILLE MD 20784 2 04/13/05 00 0401104617 05 06/01/05 0.0000 0401104617 O 05/01/35 0 9891557 E82/G02 F 98,100.00 ZZ 360 98,100.00 1 6.1250 596.07 73 5.8750 596.07 PUEBLO CO 81005 2 04/12/05 00 0401104724 05 06/01/05 0.0000 0401104724 O 05/01/35 0 9891567 E82/G02 F 77,550.00 ZZ 360 77,550.00 1 6.6250 496.56 84 6.3750 496.56 HANCEVILLE AL 35077 2 04/12/05 04 0401110218 05 06/01/05 12.0000 0401110218 O 05/01/35 0 9891665 253/253 F 261,000.00 ZZ 360 260,440.63 1 5.6250 1502.47 75 5.3750 1502.47 DURANGO CO 81301 5 02/15/05 00 380613 05 04/01/05 0.0000 380613 O 03/01/35 0 9891673 253/253 F 110,750.00 ZZ 360 110,750.00 1 5.7500 530.68 68 5.5000 530.68 WESTMINSTER CO 80021 5 02/28/05 00 382102 01 04/01/05 0.0000 382102 O 03/01/35 0 9891675 253/253 F 156,000.00 ZZ 360 155,868.94 1 6.8750 1024.81 87 6.6250 1024.81 WESTLAND MI 48185 2 03/09/05 11 383020 01 05/01/05 25.0000 383020 O 04/01/35 0 9891679 253/253 F 640,900.00 ZZ 360 640,214.83 1 5.6250 3689.39 73 5.3750 3689.39 CEDAR HILL TX 75104 2 03/16/05 00 382403 03 05/01/05 0.0000 382403 O 04/01/35 0 9891689 253/253 F 234,000.00 ZZ 360 234,000.00 1 5.6250 1096.88 65 5.3750 1096.88 BOULDER CO 80304 1 03/10/05 00 382647 05 05/01/05 0.0000 382647 N 04/01/35 0 9891691 253/253 F 480,000.00 ZZ 360 480,000.00 1 6.0000 2400.00 52 5.7500 2400.00 SANTA CRUZ CA 95060 1 03/21/05 00 385792 05 05/01/05 0.0000 385792 O 04/01/35 0 9891713 253/253 F 143,000.00 ZZ 360 142,854.20 1 5.8750 845.90 73 5.6250 845.90 DENVER CO 80211 5 03/09/05 00 383338 05 05/01/05 0.0000 383338 O 04/01/35 0 9891715 253/253 F 432,000.00 ZZ 360 431,095.76 1 5.7500 2521.04 51 5.5000 2521.04 SIGNAL HILL CA 90755 5 02/22/05 00 381120 05 04/01/05 0.0000 381120 O 03/01/35 0 9891737 253/253 F 160,000.00 ZZ 360 159,855.36 2 6.5000 1011.31 58 6.2500 1011.31 LOS ANGELES CA 90001 5 03/01/05 00 378096 05 05/01/05 0.0000 378096 N 04/01/35 0 9891745 253/253 F 185,000.00 ZZ 360 184,802.22 1 5.6250 1064.97 32 5.3750 1064.97 MOUNT SHASTA CA 96067 1 03/07/05 00 377429 05 05/01/05 0.0000 377429 N 04/01/35 0 9891747 253/253 F 221,150.00 ZZ 360 220,913.57 1 5.6250 1273.07 65 5.3750 1273.07 ESTES PARK CO 80517 2 03/10/05 00 382263 05 05/01/05 0.0000 382263 N 04/01/35 0 9891801 H49/G02 F 138,300.00 ZZ 360 138,168.77 1 6.2500 851.54 80 6.0000 851.54 GLENDALE AZ 85303 1 03/31/05 00 0439183450 05 05/01/05 0.0000 644484 N 04/01/35 0 9892093 W02/G02 F 165,000.00 ZZ 360 165,000.00 1 6.6250 1056.51 94 6.3750 1056.51 LEHIGH ACRES FL 33971 5 04/07/05 12 0439192337 05 06/01/05 30.0000 0090108656 O 05/01/35 0 9892111 F34/G02 F 89,600.00 ZZ 360 89,600.00 1 6.2500 551.68 80 6.0000 551.68 JACKSONVILLE NC 28540 1 04/07/05 00 0439177106 05 06/01/05 0.0000 4900502342 N 05/01/35 0 9892135 P01/G02 F 99,750.00 ZZ 360 99,750.00 2 6.6250 638.71 95 6.3750 638.71 TROY NY 12180 1 04/08/05 10 0439171372 05 06/01/05 30.0000 05001034 O 05/01/35 0 9892187 758/G02 F 140,400.00 ZZ 360 140,400.00 4 7.0000 934.08 80 6.7500 934.08 COLLEGE STATIOTX 77845 1 04/01/05 00 0439196312 05 06/01/05 0.0000 1200000642 N 05/01/35 0 9892221 U85/G02 F 59,850.00 ZZ 360 59,760.88 1 7.5000 418.48 90 7.2500 418.48 INDEPENDENCE IA 50644 5 02/22/05 10 0439182643 05 04/01/05 25.0000 TQSSTELTER O 03/01/35 0 9892265 144/144 F 200,000.00 ZZ 360 200,000.00 1 5.8750 1183.08 59 5.6250 1183.08 PLEASANT VALLENY 12578 1 04/06/05 00 O5ORTREGERJ 05 06/01/05 0.0000 O5ORTREGERJ O 05/01/35 0 9892417 E22/G02 F 70,400.00 ZZ 360 70,400.00 1 6.7500 456.61 80 6.5000 456.61 BELMONT NH 03220 1 04/15/05 00 0423957851 01 06/01/05 0.0000 0423957851 N 05/01/35 0 9892419 E22/U57 F 239,200.00 ZZ 360 239,200.00 1 6.6250 1320.58 80 6.3750 1320.58 BOISE ID 83706 1 04/13/05 00 0423959410 03 06/01/05 0.0000 0423959410 O 05/01/35 0 9892427 E22/G02 F 54,000.00 ZZ 360 54,000.00 1 6.5000 341.32 80 6.2500 341.32 DUNEDIN FL 34698 1 04/15/05 00 0423964592 01 06/01/05 0.0000 0423964592 N 05/01/35 0 9892439 E22/U57 F 182,900.00 ZZ 360 182,900.00 1 6.5000 1156.05 80 6.2500 1156.05 CAPE CORAL FL 33991 1 04/15/05 00 0423989920 05 06/01/05 0.0000 0423989920 O 05/01/35 0 9892455 E22/G02 F 240,000.00 ZZ 360 240,000.00 1 6.1250 1458.27 80 5.8750 1458.27 SURPRISE AZ 85387 5 04/11/05 00 0423924315 03 06/01/05 0.0000 0423924315 O 05/01/35 0 9892485 E22/U57 F 122,400.00 ZZ 360 122,400.00 1 6.7500 793.88 80 6.5000 793.88 LOVELAND CO 80537 1 04/15/05 00 0423887264 05 06/01/05 0.0000 0423887264 O 05/01/35 0 9892493 E22/G02 F 63,250.00 ZZ 360 63,250.00 1 6.1250 384.31 90 5.8750 384.31 SAINT LOUIS MO 63121 2 04/11/05 10 0423894054 05 06/01/05 25.0000 0423894054 O 05/01/35 0 9892503 E22/G02 F 135,000.00 ZZ 360 135,000.00 1 6.5000 731.25 75 6.2500 731.25 VANCOUVER WA 98684 1 04/07/05 00 0423902568 05 06/01/05 0.0000 0423902568 N 05/01/35 0 9892507 E22/U57 F 151,920.00 ZZ 360 151,920.00 2 6.1250 923.08 80 5.8750 923.08 WASHOUGAL WA 98671 1 04/04/05 00 0423902766 05 06/01/05 0.0000 0423902766 N 05/01/35 0 9892511 E22/G02 F 61,750.00 ZZ 360 61,750.00 1 6.5000 390.30 95 6.2500 390.30 MEMPHIS TN 38109 1 04/15/05 04 0423905025 05 06/01/05 35.0000 0423905025 O 05/01/35 0 9892513 E22/U57 F 140,000.00 ZZ 360 140,000.00 1 6.6250 896.44 80 6.3750 896.44 MILTON FL 32570 1 04/15/05 00 0423910249 05 06/01/05 0.0000 0423910249 O 05/01/35 0 9892515 E22/G02 F 76,800.00 ZZ 360 76,800.00 1 6.7500 498.12 80 6.5000 498.12 PORT RICHEY FL 34668 1 04/13/05 00 0423910272 05 06/01/05 0.0000 0423910272 N 05/01/35 0 9892519 E22/G02 F 126,400.00 ZZ 360 126,400.00 1 6.6250 697.83 80 6.3750 697.83 HAMPTON VA 23661 1 04/15/05 00 0423843093 05 06/01/05 0.0000 0423843093 O 05/01/35 0 9892549 E22/U57 F 106,400.00 ZZ 360 106,400.00 1 7.2500 725.84 95 7.0000 725.84 WHITEHOUSE TX 75791 1 04/14/05 10 0423872704 05 06/01/05 30.0000 0423872704 O 05/01/35 0 9892557 E22/G02 F 138,600.00 ZZ 360 138,600.00 1 6.5000 750.75 90 6.2500 750.75 LOUISVILLE TN 37777 1 04/14/05 04 0423821388 05 06/01/05 25.0000 0423821388 N 05/01/35 0 9892563 E22/G02 F 118,000.00 ZZ 360 118,000.00 1 6.6250 755.57 88 6.3750 755.57 BRYAN TX 77803 2 04/13/05 04 0423825314 05 06/01/05 25.0000 0423825314 N 05/01/35 0 9892565 E22/U57 F 301,750.00 ZZ 360 301,750.00 1 6.6250 1932.14 85 6.3750 1932.14 LARAMIE WY 82070 4 04/15/05 10 0423826569 05 06/01/05 12.0000 0423826569 O 05/01/35 0 9892577 E22/G02 F 142,000.00 ZZ 360 142,000.00 3 6.5000 897.54 71 6.2500 897.54 HARTFORD CT 06106 2 04/15/05 00 0423832179 05 06/01/05 0.0000 0423832179 N 05/01/35 0 9892583 E22/U57 F 70,125.00 ZZ 360 70,125.00 1 6.8750 460.67 85 6.6250 460.67 BATON ROUGE LA 70817 1 04/15/05 04 0423835370 05 06/01/05 20.0000 0423835370 N 05/01/35 0 9892595 E22/U57 F 202,400.00 ZZ 360 202,400.00 1 6.3750 1262.71 80 6.1250 1262.71 LAS VEGAS NV 89129 5 04/05/05 00 0423798610 05 06/01/05 0.0000 0423798610 O 05/01/35 0 9892601 E22/G02 F 132,000.00 ZZ 360 132,000.00 1 6.2500 812.75 80 6.0000 812.75 MERIDIAN ID 83642 1 04/04/05 00 0423802362 03 06/01/05 0.0000 0423802362 O 05/01/35 0 9892607 E22/G02 F 101,600.00 ZZ 360 101,600.00 1 6.5000 642.18 80 6.2500 642.18 COMSTOCK PARK MI 49321 1 04/15/05 00 0423804608 05 06/01/05 0.0000 0423804608 O 05/01/35 0 9892611 E22/G02 F 226,400.00 ZZ 360 226,400.00 2 6.3750 1412.44 80 6.1250 1412.44 SANTA FE NM 87505 5 04/11/05 00 0423807387 05 06/01/05 0.0000 0423807387 O 05/01/35 0 9892617 E22/G02 F 185,000.00 ZZ 360 185,000.00 1 7.5000 1293.55 85 7.2500 1293.55 UPPER MARLBOROMD 20774 5 04/11/05 10 0423811454 09 06/01/05 12.0000 0423811454 O 05/01/35 0 9892657 E22/G02 F 208,000.00 ZZ 360 208,000.00 1 6.1250 1061.67 80 5.8750 1061.67 VENICE FL 34292 1 04/15/05 00 0423794627 05 06/01/05 0.0000 0423794627 O 05/01/35 0 9892669 E22/G02 F 196,500.00 ZZ 360 196,500.00 1 6.6250 1258.21 75 6.3750 1258.21 NEW BOSTON MI 48164 1 04/15/05 00 0423776244 05 06/01/05 0.0000 0423776244 N 05/01/35 0 9892683 E22/G02 F 98,000.00 ZZ 360 98,000.00 1 6.2500 603.40 80 6.0000 603.40 SUMMERVILLE SC 29485 1 04/18/05 00 0423762913 03 06/01/05 0.0000 0423762913 N 05/01/35 0 9892689 E22/U57 F 57,950.00 ZZ 360 57,950.00 1 6.8750 380.69 95 6.6250 380.69 WICHITA KS 67208 2 04/15/05 10 0423765858 05 06/01/05 30.0000 0423765858 N 05/01/35 0 9892691 E22/G02 F 190,400.00 ZZ 360 190,400.00 4 6.2500 1172.33 80 6.0000 1172.33 COLORADO SPRINCO 80906 1 04/15/05 00 0423766526 05 06/01/05 0.0000 0423766526 N 05/01/35 0 9892695 E22/U57 F 53,250.00 ZZ 360 53,250.00 1 6.8750 349.81 94 6.6250 349.81 WICHITA KS 67208 2 04/15/05 10 0423766997 05 06/01/05 30.0000 0423766997 N 05/01/35 0 9892697 E22/U57 F 55,100.00 ZZ 360 55,100.00 1 6.8750 361.97 95 6.6250 361.97 WICHITA KS 67214 2 04/15/05 10 0423767797 05 06/01/05 30.0000 0423767797 N 05/01/35 0 9892711 E22/U57 F 135,200.00 ZZ 360 135,200.00 2 6.7500 876.90 80 6.5000 876.90 LARAMIE WY 82072 1 04/15/05 00 0423735083 05 06/01/05 0.0000 0423735083 N 05/01/35 0 9892717 E22/G02 F 37,500.00 ZZ 360 37,500.00 1 6.7500 243.22 75 6.5000 243.22 RAEFORD NC 28376 5 04/15/05 00 0423738228 05 06/01/05 0.0000 0423738228 N 05/01/35 0 9892719 E22/U57 F 126,500.00 ZZ 360 126,500.00 1 6.1250 768.63 91 5.8750 768.63 SALT LAKE CITYUT 84106 1 04/13/05 10 0423740067 05 06/01/05 30.0000 0423740067 O 05/01/35 0 9892727 E22/G02 F 50,000.00 ZZ 360 50,000.00 1 6.3750 311.93 80 6.1250 311.93 LOUISVILLE KY 40204 1 04/15/05 00 0423741958 05 06/01/05 0.0000 0423741958 N 05/01/35 0 9892741 E22/G02 F 204,800.00 ZZ 360 204,800.00 4 6.8750 1345.39 80 6.6250 1345.39 SAN ANTONIO TX 78212 1 04/15/05 00 0423752831 05 06/01/05 0.0000 0423752831 N 05/01/35 0 9892767 E22/U57 F 102,600.00 ZZ 360 102,600.00 2 6.8750 674.01 95 6.6250 674.01 KENNER LA 70062 1 04/15/05 10 0423720762 05 06/01/05 30.0000 0423720762 N 05/01/35 0 9892773 E22/U57 F 104,367.00 ZZ 360 104,367.00 1 6.5000 659.67 80 6.2500 659.67 SOUTH BEND IN 46628 1 04/15/05 00 0423725332 05 06/01/05 0.0000 0423725332 O 05/01/35 0 9892801 E22/U57 F 57,000.00 ZZ 360 57,000.00 1 7.2500 388.84 95 7.0000 388.84 SUNNYSIDE WA 98944 1 04/11/05 10 0423692599 05 06/01/05 30.0000 0423692599 N 05/01/35 0 9892805 E22/G02 F 58,320.00 ZZ 360 58,320.00 1 6.5000 368.62 80 6.2500 368.62 LARGO FL 33774 1 04/15/05 00 0423693597 01 06/01/05 0.0000 0423693597 N 05/01/35 0 9892807 E22/G02 F 79,000.00 ZZ 240 79,000.00 1 6.5000 589.00 53 6.2500 589.00 CROWN POINT NY 12928 5 04/11/05 00 0423694249 05 06/01/05 0.0000 0423694249 O 05/01/25 0 9892849 E22/U57 F 222,400.00 ZZ 360 222,400.00 1 6.5000 1204.67 80 6.2500 1204.67 MIAMI FL 33173 1 04/15/05 00 0423653815 03 06/01/05 0.0000 0423653815 O 05/01/35 0 9892855 E22/G02 F 383,200.00 ZZ 360 383,200.00 1 6.1250 2328.36 80 5.8750 2328.36 PALM HARBOR FL 34685 1 04/15/05 00 0423666338 03 06/01/05 0.0000 0423666338 O 05/01/35 0 9892857 E22/G02 F 96,000.00 ZZ 360 96,000.00 1 6.5000 606.79 80 6.2500 606.79 SPOKANE WA 99205 1 04/12/05 00 0423671908 05 06/01/05 0.0000 0423671908 N 05/01/35 0 9892861 E22/U57 F 69,350.00 ZZ 360 69,350.00 1 7.3750 478.98 95 7.1250 478.98 VIDOR TX 77662 1 04/15/05 10 0423534379 05 06/01/05 30.0000 0423534379 O 05/01/35 0 9892863 E22/U57 F 156,000.00 ZZ 360 156,000.00 1 6.5000 986.03 80 6.2500 986.03 VIRGINIA BEACHVA 23452 5 04/11/05 00 0423546191 05 06/01/05 0.0000 0423546191 O 05/01/35 0 9892889 E22/G02 F 71,600.00 ZZ 360 71,600.00 1 6.5000 452.56 80 6.2500 452.56 TRINIDAD CO 81082 1 04/15/05 00 0423594225 05 06/01/05 0.0000 0423594225 O 05/01/35 0 9892893 E22/G02 F 238,500.00 ZZ 360 238,500.00 4 7.1250 1606.82 90 6.8750 1606.82 HOUSTON TX 77004 1 04/15/05 04 0423606516 05 06/01/05 25.0000 0423606516 N 05/01/35 0 9892895 E22/G02 F 195,000.00 ZZ 360 195,000.00 3 6.5000 1232.53 75 6.2500 1232.53 YACHATS OR 97498 1 04/04/05 00 0423607217 05 06/01/05 0.0000 0423607217 N 05/01/35 0 9892921 E22/G02 F 156,150.00 ZZ 360 156,150.00 1 6.7500 1012.79 90 6.5000 1012.79 ABBEVILLE MS 38601 1 04/15/05 04 0423488345 05 06/01/05 25.0000 0423488345 N 05/01/35 0 9892931 E22/G02 F 164,000.00 ZZ 360 164,000.00 1 6.3750 871.25 80 6.1250 871.25 NORTH BRANCH MN 55056 1 04/15/05 00 0423511260 05 06/01/05 0.0000 0423511260 O 05/01/35 0 9892937 E22/G02 F 86,850.00 ZZ 360 86,850.00 1 7.0000 577.82 90 6.7500 577.82 CHARLOTTE NC 28205 2 04/14/05 04 0422259606 05 06/01/05 25.0000 0422259606 N 05/01/35 0 9892967 E22/G02 F 99,640.00 ZZ 360 99,640.00 1 6.2500 613.50 80 6.0000 613.50 SUMMERVILLE SC 29485 1 04/18/05 00 0423313683 09 06/01/05 0.0000 0423313683 N 05/01/35 0 9893111 E82/G02 F 119,800.00 ZZ 360 119,800.00 2 6.6250 767.09 87 6.3750 767.09 MILWAUKEE WI 53216 2 04/18/05 04 0401099320 05 06/01/05 25.0000 0401099320 N 05/01/35 0 9893121 E82/G02 F 352,000.00 ZZ 360 352,000.00 1 6.2500 2167.32 77 6.0000 2167.32 FORT WASHINGTOMD 20744 5 04/14/05 00 0401102934 03 06/01/05 0.0000 0401102934 O 05/01/35 0 9893123 E82/G02 F 87,600.00 ZZ 240 87,600.00 1 6.5000 653.12 62 6.2500 653.12 TULSA OK 74135 2 04/14/05 00 0401092002 05 06/01/05 0.0000 0401092002 O 05/01/25 0 9893125 E82/G02 F 184,400.00 ZZ 360 184,400.00 1 6.0000 1105.57 94 5.7500 1105.57 RICHARDSON TX 75081 2 04/14/05 04 0401088521 05 06/01/05 30.0000 0401088521 O 05/01/35 0 9893369 E82/G02 F 79,200.00 ZZ 360 79,200.00 2 6.6250 507.13 39 6.3750 507.13 BAKERSFIELD CA 93304 2 04/11/05 00 0401067202 05 06/01/05 0.0000 0401067202 N 05/01/35 0 9893403 E11/G02 F 42,750.00 ZZ 360 42,750.00 1 6.6250 273.73 94 6.3750 273.73 RICHVILLE MN 56576 5 04/08/05 14 0439187170 05 06/01/05 30.0000 0202001078084 O 05/01/35 0 9893431 Z23/G02 F 316,000.00 ZZ 360 316,000.00 1 6.3750 1678.75 80 6.1250 1678.75 BROOKLET GA 30415 1 03/31/05 00 0439199795 05 05/01/05 0.0000 11534375 O 04/01/35 0 9893451 B98/G02 F 136,250.00 ZZ 360 136,250.00 1 6.6250 872.42 75 6.3750 872.42 APPLE VALLEY CA 93207 1 04/01/05 00 0439198375 05 06/01/05 0.0000 B2050106KN N 05/01/35 0 9893469 U36/G02 F 166,410.00 ZZ 360 166,410.00 1 7.0000 1107.13 90 6.7500 1107.13 GROVETOWN GA 30813 1 04/13/05 10 0439193244 03 06/01/05 25.0000 103702005 O 05/01/35 0 9893485 225/225 F 500,000.00 ZZ 360 499,025.58 1 6.1250 3038.05 66 5.8750 3038.05 WHITE PLAINS NY 10603 5 02/14/05 00 5717918 03 04/01/05 0.0000 5717918 O 03/01/35 0 9893489 225/225 F 91,800.00 ZZ 360 91,717.01 1 6.5000 580.24 90 6.2500 580.24 HAINES CITY FL 33844 1 03/11/05 12 5724491 05 05/01/05 25.0000 5724491 N 04/01/35 0 9893491 225/225 F 198,000.00 ZZ 360 197,595.28 1 5.8750 1171.24 66 5.6250 1171.24 OTTSVILLE PA 18942 5 02/11/05 00 5715831 05 04/01/05 0.0000 5715831 O 03/01/35 0 9893495 225/225 F 750,000.00 ZZ 360 749,288.37 1 6.2500 4617.88 79 6.0000 4617.88 SAINT PETERSBUFL 33706 1 03/08/05 00 5725281 05 05/01/05 0.0000 5725281 O 04/01/35 0 9893497 225/225 F 636,000.00 ZZ 360 634,789.94 1 6.2500 3915.96 80 6.0000 3915.96 NORTH MYRTLE BSC 29582 1 02/04/05 00 5720447 01 04/01/05 0.0000 5720447 N 03/01/35 0 9893499 225/225 F 220,000.00 ZZ 360 219,675.70 1 5.8750 1301.38 79 5.6250 1301.38 STRATFORD CT 06615 1 03/21/05 00 5716975 05 05/01/05 0.0000 5716975 O 04/01/35 0 9893501 225/225 F 100,000.00 ZZ 360 99,809.73 2 6.2500 615.72 29 6.0000 615.72 CARLSTADT NJ 07072 5 01/31/05 00 5713697 05 04/01/05 0.0000 5713697 O 03/01/35 0 9893503 225/225 F 380,000.00 ZZ 360 379,294.21 1 6.3750 2370.71 80 6.1250 2370.71 PHILADELPHIA PA 19146 1 02/25/05 00 5712551 05 04/01/05 0.0000 5712551 O 03/01/35 0 9893505 225/225 F 359,652.00 ZZ 360 358,967.72 1 6.2500 2214.44 63 6.0000 2214.44 BRIDGEWATER NJ 08807 5 02/07/05 00 8954886 05 04/01/05 0.0000 8954886 O 03/01/35 0 9893511 225/225 F 400,000.00 ZZ 360 399,142.72 1 5.6250 2302.63 40 5.3750 2302.63 LIGHTHOUSE POIFL 33064 2 02/25/05 00 6965098 05 04/01/05 0.0000 6965098 O 03/01/35 0 9893513 225/225 F 375,000.00 ZZ 360 374,303.51 1 6.3750 2339.51 79 6.1250 2339.51 NAGS HEAD NC 27959 1 02/10/05 00 6949632 05 04/01/05 0.0000 6949632 O 03/01/35 0 9893517 225/225 F 455,200.00 ZZ 360 454,333.93 2 6.2500 2802.74 80 6.0000 2802.74 NORTH BERGEN NJ 07047 1 02/18/05 00 5715752 05 04/01/05 0.0000 5715752 O 03/01/35 0 9893519 225/225 F 440,000.00 ZZ 360 437,839.78 1 6.1250 2673.49 67 5.8750 2673.49 PARKLAND FL 33067 2 11/17/04 00 6916171 03 01/01/05 0.0000 6916171 O 12/01/34 0 9893523 225/225 F 741,000.00 ZZ 360 739,231.74 1 5.7500 4324.27 65 5.5000 4324.27 SALEM SC 29676 2 02/22/05 00 6717270 03 04/01/05 0.0000 6717270 O 03/01/35 0 9893525 225/225 F 133,000.00 ZZ 360 132,694.47 1 6.0000 797.40 70 5.7500 797.40 TAMPA FL 33611 5 02/24/05 00 5725770 05 04/01/05 0.0000 5725770 O 03/01/35 0 9893539 225/225 F 142,350.00 ZZ 360 142,085.60 1 6.3750 888.08 65 6.1250 888.08 NEW YORK NY 10024 1 02/15/05 00 5713681 05 04/01/05 0.0000 5713681 O 03/01/35 0 9893541 225/225 F 730,000.00 ZZ 360 729,273.28 1 6.0000 4376.72 70 5.7500 4376.72 GREAT FALLS VA 22066 5 03/02/05 00 5716939 05 05/01/05 0.0000 5716939 O 04/01/35 0 9893543 225/225 F 650,000.00 ZZ 360 648,606.96 1 5.6250 3741.77 59 5.3750 3741.77 MYRTLE BEACH SC 29572 5 02/07/05 00 5713645 05 04/01/05 0.0000 5713645 O 03/01/35 0 9893547 225/225 F 131,000.00 ZZ 360 130,663.23 1 5.7500 764.48 63 5.5000 764.48 MIDLOTHIAN VA 23114 5 03/04/05 00 5723392 05 05/01/05 0.0000 5723392 O 04/01/35 0 9893549 225/225 F 542,000.00 ZZ 360 541,485.73 1 6.2500 3337.19 70 6.0000 3337.19 MEDFORD LAKES NJ 08055 1 03/21/05 00 005710554 03 05/01/05 0.0000 005710554 O 04/01/35 0 9893551 225/225 F 480,000.00 ZZ 360 479,586.73 1 6.7500 3113.27 80 6.5000 3113.27 TRUMBULL CT 06611 5 03/14/05 00 5724382 01 05/01/05 0.0000 5724382 O 04/01/35 0 9893553 225/225 F 457,000.00 ZZ 360 455,950.83 1 6.0000 2739.95 60 5.7500 2739.95 PHILADELPHIA PA 19129 5 02/11/05 00 5717235 05 04/01/05 0.0000 5717235 O 03/01/35 0 9893557 225/225 F 387,000.00 ZZ 360 386,347.89 1 6.8750 2542.31 90 6.6250 2542.31 PRINCETON TOWNNJ 08540 1 02/14/05 12 5717624 05 04/01/05 25.0000 5717624 O 03/01/35 0 9893559 225/225 F 485,000.00 ZZ 360 483,984.83 1 5.7500 2830.33 63 5.5000 2830.33 DAVIE FL 33330 5 02/17/05 00 5718991 03 04/01/05 0.0000 5718991 O 03/01/35 0 9893561 225/225 F 1,000,000.00 ZZ 360 998,980.45 1 5.8750 5915.38 46 5.6250 5915.38 WESTPORT CT 06880 5 03/18/05 00 5721225 05 05/01/05 0.0000 5721225 N 04/01/35 0 9893565 225/225 F 175,000.00 ZZ 360 174,837.92 1 6.3750 1091.77 59 6.1250 1091.77 WEST NEW YORK NJ 07093 1 03/15/05 00 5719403 05 05/01/05 0.0000 5719403 O 04/01/35 0 9893573 225/225 F 128,000.00 ZZ 240 127,427.96 1 5.7500 898.67 80 5.5000 898.67 ROCK HILL SC 29732 2 02/10/05 00 5718432 05 04/01/05 0.0000 5718432 O 03/01/25 0 9893575 225/225 F 68,000.00 ZZ 360 67,940.01 1 6.6250 435.41 80 6.3750 435.41 HIGH POINT NC 27262 1 03/18/05 00 5725774 05 05/01/05 0.0000 5725774 O 04/01/35 0 9893577 225/225 F 493,430.00 ZZ 360 492,468.39 1 6.1250 2998.13 70 5.8750 2998.13 SURFSIDE FL 33154 1 02/24/05 00 5720968 05 04/01/05 0.0000 5720968 O 03/01/35 0 9893581 225/225 F 472,000.00 ZZ 360 471,562.83 1 6.3750 2944.67 80 6.1250 2944.67 HYATTSVILLE MD 20782 2 03/17/05 00 5720494 05 05/01/05 0.0000 5720494 O 04/01/35 0 9893583 225/225 F 140,000.00 ZZ 360 139,752.27 1 6.6250 896.44 80 6.3750 896.44 FORT LAUDERDALFL 33317 5 02/16/05 00 5716248 05 04/01/05 0.0000 5716248 O 03/01/35 0 9893585 225/225 F 396,000.00 ZZ 360 395,633.23 1 6.3750 2470.52 80 6.1250 2470.52 BRONX NY 10469 1 03/03/05 00 5716533 05 05/01/05 0.0000 5716533 O 04/01/35 0 9893587 225/225 F 158,950.00 ZZ 360 158,647.58 1 6.2500 978.68 85 6.0000 978.68 VALRICO FL 33594 1 03/01/05 12 5724956 03 04/01/05 12.0000 5724956 O 03/01/35 0 9893593 Y78/U57 F 184,000.00 ZZ 360 184,000.00 1 6.8750 1208.75 80 6.6250 1208.75 SOMERSET KY 42501 2 04/13/05 00 0439190075 05 06/01/05 0.0000 19834115 O 05/01/35 0 9893635 G52/G02 F 112,000.00 ZZ 360 111,905.91 2 6.8750 735.76 80 6.6250 735.76 MIAMI FL 33157 5 03/22/05 00 0439187527 05 05/01/05 0.0000 5725013524 N 04/01/35 0 9893643 N74/G02 F 157,700.00 ZZ 360 157,557.44 1 6.5000 996.77 95 6.2500 996.77 STAUNTON VA 24401 5 03/30/05 10 0439187808 05 05/04/05 30.0000 0036036010 O 04/04/35 0 9893677 950/U57 F 333,000.00 ZZ 360 332,706.20 1 6.6250 2132.24 90 6.3750 2132.24 NORTH POLE AK 99705 5 03/30/05 14 0439188467 05 05/01/05 25.0000 EW53247 O 04/01/35 0 9893691 G52/G02 F 112,000.00 ZZ 360 111,905.91 2 6.8750 735.76 80 6.6250 735.76 MIAMI FL 33157 5 03/23/05 00 0439203076 05 05/01/05 0.0000 5725013663 N 04/01/35 0 9893693 G52/G02 F 112,000.00 ZZ 360 111,905.91 2 6.8750 735.76 80 6.6250 735.76 MIAMI FL 33157 5 03/21/05 00 0439194762 05 05/01/05 0.0000 5725013526 N 04/01/35 0 9893703 U85/G02 F 60,000.00 ZZ 360 59,944.43 2 6.3750 374.32 80 6.1250 374.32 MARION IA 52302 2 04/12/05 00 0439197088 05 05/12/05 0.0000 TQSPELKE N 04/12/35 0 9893775 E22/G02 F 60,800.00 ZZ 360 60,800.00 1 6.8750 399.41 95 6.6250 399.41 SUMTER SC 29150 5 04/12/05 04 0423659515 05 06/01/05 30.0000 0423659515 O 05/01/35 0 9893779 E22/G02 F 120,000.00 ZZ 360 120,000.00 2 6.5000 758.48 36 6.2500 758.48 GOLDEN CO 80401 5 04/12/05 00 0423662147 05 06/01/05 0.0000 0423662147 O 05/01/35 0 9893791 E22/U57 F 156,000.00 TX 360 156,000.00 1 6.8750 1024.81 80 6.6250 1024.81 SUGAR LAND TX 77478 5 04/12/05 00 0423677467 03 06/01/05 0.0000 0423677467 O 05/01/35 0 9893821 E22/G02 F 128,000.00 ZZ 360 128,000.00 1 6.3750 798.55 80 6.1250 798.55 SALT LAKE CITYUT 84118 2 04/11/05 00 0423612167 05 06/01/05 0.0000 0423612167 O 05/01/35 0 9893847 E22/U57 F 260,000.00 ZZ 360 260,000.00 1 6.3750 1622.06 80 6.1250 1622.06 SHIRLEY NY 11967 2 04/13/05 00 0423712041 05 06/01/05 0.0000 0423712041 O 05/01/35 0 9893855 E22/G02 F 100,520.00 ZZ 360 100,520.00 1 6.3750 534.01 80 6.1250 534.01 MEDICAL LAKE WA 99022 1 04/07/05 00 0423724145 05 06/01/05 0.0000 0423724145 N 05/01/35 0 9893867 E22/G02 F 150,000.00 ZZ 360 150,000.00 1 6.6250 960.47 63 6.3750 960.47 EAST ORANGE NJ 07017 5 04/12/05 00 0423749274 05 06/01/05 0.0000 0423749274 O 05/01/35 0 9893877 E22/U57 F 160,000.00 TX 360 160,000.00 1 6.2500 985.15 80 6.0000 985.15 HOUSTON TX 77018 5 04/12/05 00 0423756444 03 06/01/05 0.0000 0423756444 O 05/01/35 0 9893899 E22/G02 F 69,300.00 ZZ 360 69,300.00 1 7.2500 472.75 90 7.0000 472.75 MONTGOMERY AL 36116 5 04/12/05 10 0423512151 05 06/01/05 25.0000 0423512151 O 05/01/35 0 9893921 E22/G02 F 151,050.00 ZZ 360 151,050.00 1 6.7500 979.71 95 6.5000 979.71 SPOKANE WA 99218 1 04/13/05 01 0423465780 05 06/01/05 30.0000 0423465780 O 05/01/35 0 9893923 E22/G02 F 76,500.00 ZZ 360 76,500.00 3 7.0000 508.96 90 6.7500 508.96 NEW ORLEANS LA 70130 1 04/19/05 04 0422908582 05 06/01/05 25.0000 0422908582 N 05/01/35 0 9893961 E22/G02 F 208,000.00 ZZ 360 208,000.00 1 6.2500 1280.69 80 6.0000 1280.69 AURORA CO 80015 2 04/12/05 00 0423758093 05 06/01/05 0.0000 0423758093 O 05/01/35 0 9893965 E22/G02 F 225,000.00 ZZ 360 225,000.00 1 6.0000 1348.99 52 5.7500 1348.99 MIAMI FL 33138 5 04/13/05 00 0423762491 05 06/01/05 0.0000 0423762491 O 05/01/35 0 9893973 E22/G02 F 152,000.00 ZZ 360 152,000.00 1 6.2500 935.89 80 6.0000 935.89 VANCOUVER WA 98665 1 04/07/05 00 0423768688 05 06/01/05 0.0000 0423768688 N 05/01/35 0 9893975 E22/G02 F 151,900.00 ZZ 360 151,900.00 1 6.2500 935.27 80 6.0000 935.27 VANCOUVER WA 98665 1 04/07/05 00 0423768969 05 06/01/05 0.0000 0423768969 N 05/01/35 0 9893981 E22/U57 F 126,300.00 ZZ 360 126,300.00 1 6.6250 808.71 80 6.3750 808.71 TIGARD OR 97223 1 04/11/05 00 0423773910 01 06/01/05 0.0000 0423773910 O 05/01/35 0 9894059 E22/U57 F 100,800.00 ZZ 360 100,800.00 1 6.8750 662.18 80 6.6250 662.18 RIO RANCHO NM 87124 5 04/13/05 00 0423820265 05 06/01/05 0.0000 0423820265 O 05/01/35 0 9894103 E22/G02 F 130,000.00 ZZ 360 130,000.00 1 6.5000 821.69 75 6.2500 821.69 BENTONVILLE AR 72712 2 04/13/05 00 0423862432 05 06/01/05 0.0000 0423862432 O 05/01/35 0 9894117 E22/U57 F 240,000.00 ZZ 360 240,000.00 1 6.3750 1497.29 80 6.1250 1497.29 BAKERSFIELD CA 93306 5 04/12/05 00 0423875079 05 06/01/05 0.0000 0423875079 O 05/01/35 0 9894135 E22/U57 F 68,000.00 ZZ 360 68,000.00 1 7.0000 452.41 85 6.7500 452.41 OKLAHOMA CITY OK 73120 2 04/13/05 10 0423893395 05 06/01/05 12.0000 0423893395 O 05/01/35 0 9894153 E22/G02 F 81,600.00 ZZ 360 81,600.00 1 6.7500 529.26 80 6.5000 529.26 NEW PORT RICHEFL 34652 1 04/13/05 00 0423910769 05 06/01/05 0.0000 0423910769 N 05/01/35 0 9894165 E22/G02 F 97,500.00 ZZ 360 97,420.08 1 7.0000 648.67 75 6.7500 648.67 STAUNTON VA 24401 2 04/18/05 00 0423926906 05 06/01/05 0.0000 0423926906 N 05/01/35 0 9894199 E22/G02 F 50,000.00 ZZ 360 50,000.00 1 6.6250 320.16 80 6.3750 320.16 JACKSON MS 39209 1 04/18/05 00 0423944412 05 06/01/05 0.0000 0423944412 N 05/01/35 0 9894395 H81/G02 F 316,000.00 ZZ 360 316,000.00 1 6.0000 1580.00 79 5.7500 1580.00 FAIRFAX VA 22031 2 03/30/05 00 0439193780 09 05/01/05 0.0000 43050624 O 04/01/35 0 9894423 H81/G02 F 271,000.00 ZZ 360 271,000.00 1 5.8750 1326.77 74 5.6250 1326.77 SUISUN CA 94585 5 03/11/05 00 0439194275 05 05/01/05 0.0000 44050538 O 04/01/35 0 9894917 U85/U57 F 100,800.00 ZZ 360 100,800.00 1 7.0000 670.62 80 6.7500 670.62 MARION IA 52302 5 04/14/05 00 0439192261 05 06/01/05 0.0000 TQSHINGTGEN O 05/01/35 0 9895063 W02/G02 F 148,000.00 ZZ 360 148,000.00 1 6.0000 887.33 80 5.7500 887.33 BETHLEHEM PA 18017 5 04/08/05 00 0439193434 07 06/01/05 0.0000 0090098166 N 05/01/35 0 9895095 U05/G02 F 320,000.00 TX 360 320,000.00 1 6.8750 2102.17 80 6.6250 2102.17 WEATHERFORD TX 76087 5 04/08/05 00 0439192642 05 06/01/05 0.0000 3000735140 O 05/01/35 0 9895123 N74/G02 F 69,000.00 ZZ 360 68,934.53 1 6.2500 424.84 52 6.0000 424.84 GRAHAM NC 27253 2 04/12/05 00 0439193624 05 05/18/05 0.0000 0036082010 O 04/18/35 0 9895133 P44/G02 F 168,000.00 ZZ 360 168,000.00 1 6.3750 892.50 80 6.1250 892.50 FORT LAUDERDALFL 33312 5 04/12/05 00 0439183054 05 06/01/05 0.0000 0502030005 O 05/01/35 0 9895147 S27/G02 F 125,000.00 ZZ 360 125,000.00 1 6.8750 821.17 91 6.6250 821.17 LAWRENCEVILLE GA 30044 2 04/11/05 10 0439189424 05 06/01/05 30.0000 1900010605 O 05/01/35 0 9895167 Q87/G02 F 88,000.00 ZZ 360 87,927.72 1 6.9900 584.88 80 6.7400 584.88 MOBILE AL 36608 2 04/11/05 00 0439206889 05 05/15/05 0.0000 BOKA01 O 04/15/35 0 9895253 E82/G02 F 85,000.00 ZZ 360 85,000.00 1 7.0000 565.51 87 6.7500 565.51 SUPERIOR WI 54880 5 04/15/05 04 0401110861 05 06/01/05 25.0000 0401110861 O 05/01/35 0 9895259 E82/G02 F 55,100.00 ZZ 360 55,100.00 1 6.3750 343.75 87 6.1250 343.75 WYNNE AR 72396 2 04/15/05 04 0401099031 05 06/01/05 25.0000 0401099031 O 05/01/35 0 9895261 E82/G02 F 121,500.00 ZZ 360 121,500.00 1 6.5000 767.96 67 6.2500 767.96 BRANDON FL 33511 2 04/15/05 00 0401108824 03 06/01/05 0.0000 0401108824 N 05/01/35 0 9895709 E22/U57 F 412,000.00 ZZ 360 412,000.00 2 6.3750 2570.34 80 6.1250 2570.34 KEARNY NJ 07032 2 04/14/05 00 0423889807 05 06/01/05 0.0000 0423889807 O 05/01/35 0 9895713 E22/U57 F 322,800.00 ZZ 360 322,800.00 2 6.7500 2093.67 80 6.5000 2093.67 PORTLAND OR 97206 1 04/15/05 00 0423897636 05 06/01/05 0.0000 0423897636 N 05/01/35 0 9895715 E22/U57 F 188,000.00 ZZ 360 188,000.00 2 6.1250 959.58 80 5.8750 959.58 MINNEAPOLIS MN 55406 5 04/14/05 00 0423900216 05 06/01/05 0.0000 0423900216 O 05/01/35 0 9895743 E22/U57 F 120,000.00 ZZ 360 120,000.00 1 7.2500 818.61 80 7.0000 818.61 KATY TX 77450 1 04/15/05 00 0423942564 03 06/01/05 0.0000 0423942564 O 05/01/35 0 9895757 E22/G02 F 85,200.00 ZZ 360 85,200.00 1 6.2500 524.59 80 6.0000 524.59 TRAFFORD AL 35172 1 04/19/05 00 0423963248 05 06/01/05 0.0000 0423963248 O 05/01/35 0 9895785 E22/G02 F 87,000.00 ZZ 360 87,000.00 1 6.6250 557.07 84 6.3750 557.07 HODGENVILLE KY 42748 2 04/14/05 04 0423342252 05 06/01/05 12.0000 0423342252 O 05/01/35 0 9895797 E22/U57 F 172,000.00 ZZ 360 172,000.00 1 6.5000 1087.16 80 6.2500 1087.16 BRASELTON GA 30517 1 04/19/05 00 0423458611 05 06/01/05 0.0000 0423458611 O 05/01/35 0 9895805 E22/G02 F 125,600.00 ZZ 360 125,600.00 1 6.8750 825.10 80 6.6250 825.10 OREM UT 84058 2 04/14/05 00 0423491398 09 06/01/05 0.0000 0423491398 O 05/01/35 0 9895815 E22/U57 F 576,000.00 ZZ 360 576,000.00 1 6.1250 3499.84 80 5.8750 3499.84 LONGMONT CO 80501 2 04/13/05 00 0423521699 03 06/01/05 0.0000 0423521699 O 05/01/35 0 9895819 E22/G02 F 59,200.00 ZZ 360 59,200.00 1 6.7500 383.97 80 6.5000 383.97 MEMPHIS TN 38115 2 04/15/05 00 0423702240 05 06/01/05 0.0000 0423702240 N 05/01/35 0 9895829 E22/U57 F 171,000.00 ZZ 360 171,000.00 4 6.8750 979.69 90 6.6250 979.69 SUITLAND MD 20746 1 04/19/05 04 0423714328 05 06/01/05 25.0000 0423714328 O 05/01/35 0 9895855 E22/G02 F 112,000.00 ZZ 240 112,000.00 1 6.8750 859.95 90 6.6250 859.95 HIGHLAND SPRINVA 23075 5 04/14/05 10 0423749357 05 06/01/05 25.0000 0423749357 O 05/01/25 0 9895857 E22/G02 F 88,200.00 ZZ 360 88,200.00 1 6.8750 579.41 90 6.6250 579.41 CROSWELL MI 48422 5 04/14/05 04 0423750611 05 06/01/05 25.0000 0423750611 O 05/01/35 0 9895859 E22/G02 F 136,000.00 ZZ 360 136,000.00 1 6.3750 722.50 80 6.1250 722.50 MERIDIAN ID 83642 1 04/14/05 00 0423754720 03 06/01/05 0.0000 0423754720 O 05/01/35 0 9895861 E22/U57 F 364,000.00 ZZ 360 364,000.00 1 6.3750 1933.75 70 6.1250 1933.75 PASADENA CA 91107 5 04/11/05 00 0423761097 01 06/01/05 0.0000 0423761097 O 05/01/35 0 9895869 E22/G02 F 63,500.00 ZZ 360 63,500.00 1 6.3750 396.16 95 6.1250 396.16 TOLEDO OH 43607 5 04/14/05 04 0423771823 05 06/01/05 30.0000 0423771823 O 05/01/35 0 9895879 E22/G02 F 128,000.00 ZZ 360 128,000.00 2 6.6250 819.60 80 6.3750 819.60 PHILADELPHIA PA 19154 5 04/19/05 00 0423781327 05 06/01/05 0.0000 0423781327 N 05/01/35 0 9895901 E22/U57 F 386,000.00 ZZ 360 386,000.00 1 6.5000 2439.78 90 6.2500 2439.78 VALLEY STREAM NY 11580 1 04/19/05 10 0423807742 05 06/01/05 25.0000 0423807742 O 05/01/35 0 9895905 E22/G02 F 55,200.00 ZZ 360 55,200.00 1 6.5000 348.90 80 6.2500 348.90 SPOKANE WA 99205 1 04/14/05 00 0423809573 05 06/01/05 0.0000 0423809573 O 05/01/35 0 9895915 E22/U57 F 70,000.00 ZZ 360 70,000.00 1 6.7500 454.02 75 6.5000 454.02 TAMPA FL 33605 5 04/14/05 00 0423826239 05 06/01/05 0.0000 0423826239 O 05/01/35 0 9895923 E22/U57 F 247,300.00 ZZ 360 247,300.00 1 6.3750 1313.78 80 6.1250 1313.78 TURLOCK CA 95382 1 04/11/05 00 0423841469 05 06/01/05 0.0000 0423841469 O 05/01/35 0 9895937 E22/G02 F 52,250.00 ZZ 360 52,250.00 1 6.8750 343.25 95 6.6250 343.25 ENID OK 73701 5 04/14/05 10 0423858786 05 06/01/05 30.0000 0423858786 O 05/01/35 0 9895973 E22/G02 F 195,500.00 ZZ 360 195,500.00 1 6.7500 1268.01 80 6.5000 1268.01 LAPEER MI 48446 2 04/14/05 00 0423543503 05 06/01/05 0.0000 0423543503 O 05/01/35 0 9895995 E22/U57 F 104,550.00 ZZ 360 104,550.00 1 6.5000 660.83 82 6.2500 660.83 BRIDGEPORT MI 48722 2 04/14/05 04 0423606532 05 06/01/05 12.0000 0423606532 O 05/01/35 0 9896009 E22/G02 F 133,900.00 ZZ 360 133,900.00 1 6.1250 813.59 57 5.8750 813.59 SPRINGFIELD OR 97478 1 04/05/05 00 0423640911 05 06/01/05 0.0000 0423640911 O 05/01/35 0 9896027 E22/U57 F 156,000.00 ZZ 360 156,000.00 1 6.2500 812.50 80 6.0000 812.50 WINTON CA 95388 5 04/11/05 00 0423677111 05 06/01/05 0.0000 0423677111 O 05/01/35 0 9896029 E22/U57 F 180,000.00 ZZ 360 180,000.00 1 6.3750 1122.97 50 6.1250 1122.97 NEW ORLEANS LA 70117 5 04/14/05 00 0423678432 05 06/01/05 0.0000 0423678432 O 05/01/35 0 9896033 E22/U57 F 173,600.00 ZZ 360 173,600.00 1 6.5000 1097.27 78 6.2500 1097.27 FRONT ROYAL VA 22630 2 04/14/05 00 0423682566 03 06/01/05 0.0000 0423682566 O 05/01/35 0 9896053 E82/G02 F 153,500.00 ZZ 360 153,500.00 1 6.5000 970.22 74 6.2500 970.22 EDGEWOOD NM 87015 2 04/15/05 00 0401120845 05 06/01/05 0.0000 0401120845 O 05/01/35 0 9896335 E82/G02 F 186,000.00 ZZ 360 186,000.00 1 6.5000 1175.65 64 6.2500 1175.65 ALBUQUERQUE NM 87111 5 04/13/05 00 0401099296 05 06/01/05 0.0000 0401099296 O 05/01/35 0 9896353 H81/G02 F 300,000.00 ZZ 360 300,000.00 1 5.7500 1437.50 66 5.5000 1437.50 HAWTHORNE CA 90250 5 03/09/05 00 0439193848 05 05/01/05 0.0000 44050569 O 04/01/35 0 9896361 H81/G02 F 450,000.00 ZZ 360 450,000.00 1 5.5000 2062.50 57 5.2500 2062.50 LAGUNA NIGUEL CA 92677 5 03/10/05 00 0439194358 03 05/01/05 0.0000 44050369 O 04/01/35 0 9896369 H81/G02 F 309,000.00 ZZ 360 309,000.00 1 5.8750 1512.81 68 5.6250 1512.81 BENECIA CA 94510 5 03/22/05 00 0439193806 05 05/01/05 0.0000 44050540 O 04/01/35 0 9897097 H81/G02 F 435,000.00 ZZ 360 435,000.00 1 6.0000 2175.00 70 5.7500 2175.00 GRASS VALLEY CA 95949 2 03/29/05 00 0439193905 05 05/01/05 0.0000 44050579 O 04/01/35 0 9897135 Y78/G02 F 91,200.00 ZZ 360 91,200.00 1 6.2500 561.53 80 6.0000 561.53 COLUMBUS OH 43232 5 04/15/05 00 0439194994 05 06/01/05 0.0000 19847060 O 05/01/35 0 9897173 P01/G02 F 129,500.00 ZZ 360 129,500.00 1 6.2500 797.36 78 6.0000 797.36 RICHMOND VA 23233 5 03/29/05 00 0439191495 09 06/01/05 0.0000 05001125 O 05/01/35 0 9897273 U85/G02 F 175,350.00 ZZ 360 175,199.02 2 6.7500 1137.32 95 6.5000 1137.32 WEST ALLIS WI 53219 2 04/12/05 11 0439193467 05 05/18/05 30.0000 TQSW1114 O 04/18/35 0 9897277 H49/G02 F 76,000.00 ZZ 360 75,937.70 1 7.0000 505.63 80 6.7500 505.63 CHICAGO IL 60617 5 03/30/05 00 0439214248 07 05/01/05 0.0000 646468 N 04/01/35 0 9897285 P34/G02 F 234,000.00 ZZ 360 234,000.00 3 6.7500 1517.72 90 6.5000 1517.72 PROVIDENCE RI 02908 1 04/08/05 04 0439194986 05 06/01/05 25.0000 1000603389 N 05/01/35 0 9897513 E22/U57 F 61,750.00 ZZ 360 61,750.00 1 6.8750 405.65 95 6.6250 405.65 LOUISVILLE KY 40218 1 04/20/05 10 0423039932 05 06/01/05 30.0000 0423039932 N 05/01/35 0 9897529 E22/G02 F 300,000.00 ZZ 360 300,000.00 1 6.2500 1847.15 84 6.0000 1847.15 HACKENSACK NJ 07601 1 04/20/05 11 0423320639 05 06/01/05 12.0000 0423320639 O 05/01/35 0 9897541 E22/G02 F 106,612.00 ZZ 360 106,612.00 1 6.2500 656.43 80 6.0000 656.43 PASCO WA 99301 1 04/13/05 00 0423466358 09 06/01/05 0.0000 0423466358 O 05/01/35 0 9897543 E22/U57 F 200,000.00 TX 360 200,000.00 1 6.7500 1297.20 80 6.5000 1297.20 HELOTES TX 78023 5 04/15/05 00 0423481191 03 06/01/05 0.0000 0423481191 O 05/01/35 0 9897565 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 6.5000 1264.14 80 6.2500 1264.14 AARONSBURG PA 16820 5 04/15/05 00 0423563766 05 06/01/05 0.0000 0423563766 O 05/01/35 0 9897573 E22/G02 F 197,180.00 ZZ 360 197,180.00 1 6.5000 1246.31 80 6.2500 1246.31 REDMOND OR 97756 1 04/06/05 00 0423604479 05 06/01/05 0.0000 0423604479 O 05/01/35 0 9897577 E22/U57 F 233,100.00 ZZ 360 233,100.00 1 6.1250 1189.78 90 5.8750 1189.78 SAINT ALBANS VT 05478 5 04/15/05 04 0423617349 05 06/01/05 25.0000 0423617349 O 05/01/35 0 9897581 E22/G02 F 170,000.00 ZZ 360 170,000.00 1 6.5000 1074.52 80 6.2500 1074.52 CLEWISTON FL 33440 1 04/20/05 00 0423620053 05 06/01/05 0.0000 0423620053 O 05/01/35 0 9897601 E22/G02 F 125,600.00 ZZ 360 125,600.00 1 6.8750 825.10 80 6.6250 825.10 DECATUR TX 76234 1 04/20/05 00 0423656909 05 06/01/05 0.0000 0423656909 O 05/01/35 0 9897607 E22/G02 F 196,000.00 ZZ 360 196,000.00 1 6.3750 1222.79 80 6.1250 1222.79 KENNEWICK WA 99338 5 04/15/05 00 0423664093 05 06/01/05 0.0000 0423664093 O 05/01/35 0 9897657 E22/U57 F 310,500.00 ZZ 360 310,500.00 1 6.3750 1649.53 90 6.1250 1649.53 NAPERVILLE IL 60540 5 04/15/05 04 0423722537 03 06/01/05 25.0000 0423722537 O 05/01/35 0 9897683 E22/G02 F 120,000.00 ZZ 240 120,000.00 1 6.2500 877.11 88 6.0000 877.11 GODDARD KS 67052 2 04/15/05 10 0423758150 05 06/01/05 25.0000 0423758150 O 05/01/25 0 9897723 E22/U57 F 142,000.00 ZZ 360 142,000.00 1 6.5000 897.54 77 6.2500 897.54 LAS VEGAS NV 89115 2 04/05/05 00 0423800382 05 06/01/05 0.0000 0423800382 O 05/01/35 0 9897727 E22/U57 F 158,400.00 ZZ 360 158,400.00 1 6.6250 1014.25 80 6.3750 1014.25 JACKSON GA 30233 1 04/20/05 00 0423804798 05 06/01/05 0.0000 0423804798 O 05/01/35 0 9897737 E22/U57 F 236,000.00 ZZ 360 236,000.00 1 6.8750 1550.35 80 6.6250 1550.35 CASPER WY 82604 1 04/19/05 00 0423808211 05 06/01/05 0.0000 0423808211 O 05/01/35 0 9897769 E22/U57 F 150,400.00 ZZ 360 150,400.00 1 5.8750 736.33 80 5.6250 736.33 OGDEN UT 84401 1 04/14/05 00 0423829233 05 06/01/05 0.0000 0423829233 O 05/01/35 0 9897775 E22/U57 F 113,600.00 ZZ 360 113,600.00 1 6.5000 615.33 80 6.2500 615.33 LA GRANGE KY 40031 2 04/15/05 00 0423834068 05 06/01/05 0.0000 0423834068 O 05/01/35 0 9897789 E22/G02 F 97,500.00 ZZ 360 97,500.00 2 6.8750 558.59 75 6.6250 558.59 CALDWELL ID 83605 1 04/15/05 00 0423847946 05 06/01/05 0.0000 0423847946 N 05/01/35 0 9897801 E22/G02 F 320,000.00 ZZ 360 320,000.00 1 6.2500 1970.30 77 6.0000 1970.30 NORTH READING MA 01864 5 04/15/05 00 0423856327 05 06/01/05 0.0000 0423856327 O 05/01/35 0 9897819 E22/G02 F 176,900.00 ZZ 360 176,900.00 1 6.7500 1147.37 73 6.5000 1147.37 HOUSTON TX 77024 2 04/14/05 00 0423869213 05 06/01/05 0.0000 0423869213 O 05/01/35 0 9897827 E22/U57 F 137,600.00 ZZ 360 137,600.00 2 6.7500 892.47 80 6.5000 892.47 PARMA ID 83660 5 04/15/05 00 0423874072 05 06/01/05 0.0000 0423874072 O 05/01/35 0 9897835 E22/U57 F 112,500.00 ZZ 360 112,500.00 1 6.7500 729.67 90 6.5000 729.67 POST FALLS ID 83854 5 04/15/05 04 0423888999 05 06/01/05 25.0000 0423888999 O 05/01/35 0 9897849 E22/U57 F 100,000.00 ZZ 360 100,000.00 2 6.3750 623.87 80 6.1250 623.87 LOUISVILLE KY 40204 5 04/20/05 00 0423900018 05 06/01/05 0.0000 0423900018 N 05/01/35 0 9897905 E22/U57 F 296,000.00 ZZ 360 296,000.00 1 6.6250 1634.17 80 6.3750 1634.17 LOVELAND CO 80537 5 04/15/05 00 0423980101 05 06/01/05 0.0000 0423980101 O 05/01/35 0 9897915 E22/G02 F 298,000.00 ZZ 360 298,000.00 1 6.2500 1552.08 67 6.0000 1552.08 ISLIP TERRACE NY 11752 5 04/15/05 00 0423997410 05 06/01/05 0.0000 0423997410 O 05/01/35 0 9898207 U85/G02 F 152,100.00 ZZ 360 152,100.00 2 6.8750 999.19 90 6.6250 999.19 MILWAUKEE WI 53225 1 04/13/05 48 0439196593 05 06/01/05 25.0000 TQSW1115 N 05/01/35 0 9898213 E82/G02 F 225,400.00 ZZ 360 225,400.00 3 7.2500 1537.63 69 7.0000 1537.63 CHICAGO IL 60652 2 04/14/05 00 0401110820 05 06/01/05 0.0000 0401110820 N 05/01/35 0 9898471 S43/G02 F 136,000.00 ZZ 360 136,000.00 4 6.3750 848.46 80 6.1250 848.46 ALBUQUERQUE NM 87108 1 04/06/05 00 0439196445 05 06/01/05 0.0000 0019466129 N 05/01/35 0 9898481 758/G02 F 65,600.00 ZZ 360 65,547.54 1 7.1250 441.96 80 6.8750 441.96 COLLEGE STATIOTX 77840 1 03/29/05 00 0439199076 05 05/01/05 0.0000 1200000630 N 04/01/35 0 9898483 S43/G02 F 227,000.00 ZZ 360 227,000.00 1 6.5000 1434.79 60 6.2500 1434.79 ALBUQUERQUE NM 87114 2 04/08/05 00 0439208455 05 06/01/05 0.0000 0019495110 O 05/01/35 0 9898533 F62/F62 F 176,690.00 ZZ 360 176,537.14 1 6.8750 1160.73 95 6.6250 1160.73 MIRAMAR FL 33027 1 03/24/05 04 1 01 05/01/05 30.0000 1 O 04/01/35 0 9898535 U85/G02 F 84,000.00 ZZ 360 84,000.00 1 6.8750 551.82 80 6.6250 551.82 ROCK ISLAND IL 61201 2 04/15/05 00 0439195819 05 06/01/05 0.0000 TQSROMERO O 05/01/35 0 9898579 742/G02 F 66,600.00 ZZ 360 66,545.41 4 7.0000 443.09 90 6.7500 443.09 SYRACUSE NY 13203 1 04/01/05 11 0439203134 05 05/01/05 25.0000 10673457 N 04/01/35 0 9898697 E22/G02 F 176,000.00 ZZ 360 176,000.00 2 6.2500 1083.66 80 6.0000 1083.66 WALLA WALLA WA 99362 1 04/18/05 00 0423740653 05 06/01/05 0.0000 0423740653 N 05/01/35 0 9898709 E22/U57 F 210,400.00 ZZ 360 210,400.00 1 6.5000 1139.67 80 6.2500 1139.67 PHOENIX AZ 85041 5 04/14/05 00 0423773498 03 06/01/05 0.0000 0423773498 O 05/01/35 0 9898723 E22/U57 F 241,600.00 ZZ 360 241,600.00 1 6.6250 1546.99 80 6.3750 1546.99 LAS VEGAS NV 89141 1 04/11/05 00 0423800713 03 06/01/05 0.0000 0423800713 O 05/01/35 0 9898725 E22/G02 F 91,200.00 ZZ 360 91,200.00 1 6.5000 576.45 80 6.2500 576.45 FAIRDALE KY 40118 1 04/21/05 00 0423804467 05 06/01/05 0.0000 0423804467 O 05/01/35 0 9898729 E22/U57 F 120,175.00 ZZ 360 120,175.00 1 7.2500 726.06 95 7.0000 726.06 MERIDIAN ID 83642 1 04/05/05 04 0423806173 05 06/01/05 30.0000 0423806173 N 05/01/35 0 9898731 E22/U57 F 73,150.00 ZZ 360 73,150.00 2 6.8750 480.54 95 6.6250 480.54 COLUMBIA SC 29210 1 04/21/05 04 0423807155 05 06/01/05 30.0000 0423807155 N 05/01/35 0 9898787 E22/G02 F 279,000.00 ZZ 240 279,000.00 3 5.8750 1978.78 70 5.6250 1978.78 LOS ANGELES CA 90011 5 04/11/05 00 0423888478 05 06/01/05 0.0000 0423888478 O 05/01/25 0 9898793 E22/G02 F 54,150.00 T 360 54,150.00 1 6.3750 337.83 95 6.1250 337.83 TWENTYNINE PALCA 92277 1 04/07/05 04 0423898972 05 06/01/05 30.0000 0423898972 O 05/01/35 0 9898835 E22/G02 F 560,000.00 ZZ 360 560,000.00 1 6.5000 3539.58 78 6.2500 3539.58 BREA CA 92821 5 04/12/05 00 0423945658 05 06/01/05 0.0000 0423945658 O 05/01/35 0 9898843 E22/U57 F 244,800.00 ZZ 360 244,800.00 1 6.2500 1507.28 80 6.0000 1507.28 SHELTON WA 98584 1 04/15/05 00 0423951995 05 06/01/05 0.0000 0423951995 O 05/01/35 0 9898855 E22/U57 F 79,338.00 T 360 79,338.00 1 6.8750 521.19 95 6.6250 521.19 WILLIS TX 77378 1 04/15/05 10 0423962836 03 06/01/05 30.0000 0423962836 O 05/01/35 0 9898861 E22/G02 F 77,600.00 ZZ 360 77,600.00 3 6.5000 490.48 80 6.2500 490.48 CHEYENNE WY 82001 1 04/21/05 00 0423965078 05 06/01/05 0.0000 0423965078 N 05/01/35 0 9898887 E22/G02 F 100,000.00 ZZ 360 100,000.00 4 6.5000 632.07 80 6.2500 632.07 CHEYENNE WY 82001 1 04/21/05 00 0424025443 05 06/01/05 0.0000 0424025443 N 05/01/35 0 9898893 E22/U57 F 116,000.00 ZZ 360 116,000.00 1 6.8750 762.04 78 6.6250 762.04 COLORADO SPRINCO 80925 2 04/21/05 00 0422805465 05 06/01/05 0.0000 0422805465 N 05/01/35 0 9898911 E22/G02 F 76,000.00 ZZ 360 76,000.00 1 6.1250 461.78 80 5.8750 461.78 DECATUR GA 30032 5 04/21/05 00 0423402460 05 06/01/05 0.0000 0423402460 N 05/01/35 0 9898913 E22/G02 F 73,500.00 ZZ 360 73,500.00 1 6.1250 446.59 62 5.8750 446.59 LITHONIA GA 30058 5 04/21/05 00 0423403641 05 06/01/05 0.0000 0423403641 N 05/01/35 0 9898919 E22/G02 F 165,000.00 ZZ 360 165,000.00 2 6.5000 1042.91 43 6.2500 1042.91 UNION CITY NJ 07087 5 04/11/05 00 0423451475 05 06/01/05 0.0000 0423451475 O 05/01/35 0 9898921 E22/G02 F 260,000.00 T 360 260,000.00 1 6.2500 1600.86 80 6.0000 1600.86 CARRABELLE FL 32322 1 04/21/05 00 0423466077 05 06/01/05 0.0000 0423466077 O 05/01/35 0 9898941 E82/G02 F 117,000.00 ZZ 240 117,000.00 1 6.6250 880.95 87 6.3750 880.95 GRAND ISLAND NE 68801 5 04/20/05 04 0401121447 05 06/01/05 25.0000 0401121447 O 05/01/25 0 9898943 E82/G02 F 92,000.00 ZZ 360 92,000.00 1 6.5000 581.50 84 6.2500 581.50 GRAND JUNCTIONCO 81504 2 04/20/05 04 0401121306 05 06/01/05 12.0000 0401121306 O 05/01/35 0 9898969 E82/G02 F 138,000.00 ZZ 360 138,000.00 1 6.3750 860.94 77 6.1250 860.94 STONE MOUNTAINGA 30087 2 04/20/05 00 0401110614 05 06/01/05 0.0000 0401110614 O 05/01/35 0 9898983 E82/G02 F 98,050.00 ZZ 360 98,050.00 1 6.6250 627.83 70 6.3750 627.83 ROUND LAKE BEAIL 60073 2 04/20/05 00 0401121207 05 06/01/05 0.0000 0401121207 O 05/01/35 0 9898987 E82/G02 F 87,400.00 ZZ 360 87,400.00 1 6.5000 552.43 76 6.2500 552.43 BETTENDORF IA 52722 2 04/19/05 00 0401088356 05 06/01/05 0.0000 0401088356 O 05/01/35 0 9898991 E82/G02 F 200,000.00 ZZ 360 200,000.00 1 6.6250 1280.62 80 6.3750 1280.62 MINNEAPOLIS MN 55410 5 04/20/05 00 0401121025 05 06/01/05 0.0000 0401121025 O 05/01/35 0 9898993 E82/G02 F 211,200.00 ZZ 360 211,200.00 1 6.6250 1352.34 80 6.3750 1352.34 INDIAN HEAD PAIL 60525 5 04/20/05 00 0401113030 03 06/01/05 0.0000 0401113030 O 05/01/35 0 9899081 E82/G02 F 149,000.00 ZZ 360 149,000.00 1 6.2500 917.42 71 6.0000 917.42 PALM BAY FL 32909 2 04/15/05 00 0401113808 05 06/01/05 0.0000 0401113808 O 05/01/35 0 9899491 E11/G02 F 184,000.00 ZZ 360 184,000.00 1 6.2500 1132.92 80 6.0000 1132.92 NEW HOPE MN 55427 1 04/20/05 00 0439198730 05 06/01/05 0.0000 0003001079330 N 05/01/35 0 9899975 U42/G02 F 120,000.00 ZZ 360 120,000.00 4 6.7500 778.32 80 6.5000 778.32 KENNEDALE TX 76060 1 04/08/05 00 0439196494 05 06/01/05 0.0000 12500745 N 05/01/35 0 9899999 F36/G02 F 140,000.00 ZZ 360 140,000.00 1 6.3750 873.42 70 6.1250 873.42 TACOMA WA 98409 5 04/12/05 00 0439198946 05 06/01/05 0.0000 06508028 O 05/01/35 0 9901555 E22/G02 F 308,000.00 ZZ 360 308,000.00 1 6.5000 1946.77 80 6.2500 1946.77 NEW BOSTON NH 03070 1 04/22/05 00 0423173087 05 06/01/05 0.0000 0423173087 O 05/01/35 0 9901571 E22/U57 F 263,920.00 ZZ 360 263,920.00 1 6.6250 1689.91 80 6.3750 1689.91 RESEDA CA 91335 1 04/18/05 00 0423482314 01 06/01/05 0.0000 0423482314 O 05/01/35 0 9901573 E22/U57 F 110,700.00 ZZ 360 110,700.00 2 6.5000 699.70 90 6.2500 699.70 CLEBURNE TX 76033 2 04/18/05 04 0423508308 05 06/01/05 25.0000 0423508308 O 05/01/35 0 9901631 E22/G02 F 181,800.00 ZZ 360 181,800.00 4 7.0000 1209.52 90 6.7500 1209.52 ST. LOUIS MO 63104 1 04/22/05 10 0423652288 05 06/01/05 25.0000 0423652288 N 05/01/35 0 9901649 E22/G02 F 359,600.00 ZZ 360 359,600.00 1 6.3750 2243.44 66 6.1250 2243.44 SALEM OR 97305 2 04/14/05 00 0423685379 05 06/01/05 0.0000 0423685379 O 05/01/35 0 9901667 E22/G02 F 153,000.00 ZZ 360 153,000.00 4 7.0000 1017.91 90 6.7500 1017.91 SAINT LOUIS MO 63118 1 04/22/05 04 0423717024 05 06/01/05 25.0000 0423717024 N 05/01/35 0 9901675 E22/G02 F 50,400.00 ZZ 360 50,400.00 2 7.8750 365.43 90 7.6250 365.43 ASHTABULA OH 44004 1 04/22/05 04 0423725209 05 06/01/05 25.0000 0423725209 N 05/01/35 0 9901685 E22/U57 F 132,000.00 T 360 132,000.00 1 6.5000 834.33 80 6.2500 834.33 ALBUQUERQUE NM 87109 1 04/15/05 00 0423743293 05 06/01/05 0.0000 0423743293 O 05/01/35 0 9901691 E22/U57 F 133,000.00 ZZ 360 133,000.00 1 7.2500 907.29 95 7.0000 907.29 CLEARWATER FL 33756 1 04/22/05 10 0423762137 05 06/01/05 30.0000 0423762137 N 05/01/35 0 9901697 E22/G02 F 210,320.00 ZZ 360 210,320.00 1 6.2500 1294.98 80 6.0000 1294.98 FOREST VA 24551 1 04/22/05 00 0423769223 03 06/01/05 0.0000 0423769223 O 05/01/35 0 9901727 E22/U57 F 113,000.00 ZZ 360 113,000.00 1 6.8750 742.33 80 6.6250 742.33 CRYSTALL MN 55429 1 04/22/05 00 0423797398 05 06/01/05 0.0000 0423797398 O 05/01/35 0 9901741 E22/G02 F 73,600.00 ZZ 360 73,600.00 1 6.7500 477.37 80 6.5000 477.37 NEW ORLEANS LA 70122 5 04/22/05 00 0423802735 05 06/01/05 0.0000 0423802735 N 05/01/35 0 9901751 E22/G02 F 124,000.00 ZZ 360 124,000.00 1 6.6250 793.99 80 6.3750 793.99 WILMINGTON DE 19809 1 04/22/05 00 0423808500 01 06/01/05 0.0000 0423808500 O 05/01/35 0 9901775 E22/U57 F 255,000.00 ZZ 360 255,000.00 1 6.5000 1611.77 75 6.2500 1611.77 BERGENFIELD NJ 07621 5 04/18/05 00 0423837145 05 06/01/05 0.0000 0423837145 O 05/01/35 0 9901791 E22/G02 F 264,000.00 ZZ 360 264,000.00 1 5.8750 1561.66 80 5.6250 1561.66 SAN ANTONIO TX 78232 1 04/22/05 00 0423850452 05 06/01/05 0.0000 0423850452 O 05/01/35 0 9901795 E22/U57 F 156,800.00 ZZ 360 156,800.00 1 6.7500 882.00 80 6.5000 882.00 STAR ID 83669 1 04/21/05 00 0423851559 03 06/01/05 0.0000 0423851559 O 05/01/35 0 9901801 E22/G02 F 124,500.00 ZZ 360 124,500.00 4 7.3750 859.89 75 7.1250 859.89 CHALMETTE LA 70043 1 04/22/05 00 0423854926 05 06/01/05 0.0000 0423854926 N 05/01/35 0 9901817 E22/G02 F 80,000.00 ZZ 360 80,000.00 1 6.8750 525.54 80 6.6250 525.54 RIVIERA BEACH FL 33404 1 04/22/05 00 0423867472 05 06/01/05 0.0000 0423867472 N 05/01/35 0 9901821 E22/U57 F 650,000.00 ZZ 360 650,000.00 1 6.5000 3520.83 76 6.2500 3520.83 ALEXANDRIA VA 22310 5 04/18/05 00 0423872654 05 06/01/05 0.0000 0423872654 O 05/01/35 0 9901831 E22/U57 F 76,800.00 ZZ 360 76,800.00 1 6.7500 498.12 80 6.5000 498.12 SPRINGFIELD MA 01104 1 04/22/05 00 0423879170 05 06/01/05 0.0000 0423879170 O 05/01/35 0 9901845 E22/G02 F 92,000.00 ZZ 360 92,000.00 1 6.6250 589.09 80 6.3750 589.09 ORANGE PARK FL 32065 1 04/22/05 00 0423891241 05 06/01/05 0.0000 0423891241 O 05/01/35 0 9901867 E22/G02 F 284,285.00 ZZ 360 284,285.00 1 6.8750 1867.55 75 6.6250 1867.55 BIG SKY MT 59716 1 04/18/05 00 0423910165 22 06/01/05 0.0000 0423910165 N 05/01/35 0 9901877 E22/G02 F 66,500.00 ZZ 360 66,500.00 1 6.5000 420.33 70 6.2500 420.33 ST. GEORGE UT 84770 1 04/21/05 00 0423920834 09 06/01/05 0.0000 0423920834 N 05/01/35 0 9901883 E22/G02 F 162,400.00 ZZ 360 162,400.00 1 6.3750 1013.16 80 6.1250 1013.16 SPANAWAY WA 98387 1 04/14/05 00 0423923747 05 06/01/05 0.0000 0423923747 O 05/01/35 0 9901893 E22/U57 F 190,000.00 ZZ 360 190,000.00 1 6.5000 1200.93 79 6.2500 1200.93 CRANSTON RI 02910 5 04/18/05 00 0423929819 05 06/01/05 0.0000 0423929819 O 05/01/35 0 9901901 E22/G02 F 62,900.00 ZZ 360 62,900.00 1 5.8750 372.08 90 5.6250 372.08 PHILADELPHIA PA 19142 1 04/19/05 04 0423937044 07 06/01/05 25.0000 0423937044 N 05/01/35 0 9901909 E22/G02 F 65,700.00 ZZ 360 65,700.00 1 5.8750 388.64 90 5.6250 388.64 PHILADELPHIA PA 19140 1 04/19/05 04 0423939545 05 06/01/05 25.0000 0423939545 N 05/01/35 0 9901917 E22/G02 F 152,000.00 ZZ 360 152,000.00 1 6.3750 948.28 80 6.1250 948.28 MANCHESTER NH 03109 1 04/22/05 00 0423941897 01 06/01/05 0.0000 0423941897 O 05/01/35 0 9901925 E22/U57 F 178,400.00 ZZ 360 178,400.00 1 6.6250 1142.31 80 6.3750 1142.31 RICHMOND HILL GA 31314 5 04/18/05 00 0423944305 03 06/01/05 0.0000 0423944305 O 05/01/35 0 9901931 E22/G02 F 160,000.00 ZZ 240 160,000.00 1 6.3750 1181.17 75 6.1250 1181.17 BOONE NC 28607 5 04/18/05 00 0423947308 03 06/01/05 0.0000 0423947308 O 05/01/25 0 9901939 E22/U57 F 56,598.00 ZZ 360 56,598.00 1 7.0000 376.55 70 6.7500 376.55 COUNCIL BLUFFSIA 51503 1 04/22/05 00 0423957224 05 06/01/05 0.0000 0423957224 O 05/01/35 0 9901943 E22/U57 F 78,750.00 ZZ 360 78,750.00 1 6.5000 426.56 75 6.2500 426.56 BOISE ID 83703 1 04/18/05 00 0423966001 09 06/01/05 0.0000 0423966001 N 05/01/35 0 9901959 E22/G02 F 67,500.00 ZZ 360 67,500.00 1 5.8750 399.29 90 5.6250 399.29 PHILADELPHIA PA 19142 1 04/20/05 04 0423990084 07 06/01/05 25.0000 0423990084 N 05/01/35 0 9901973 E22/U57 F 199,600.00 ZZ 360 199,600.00 1 6.6250 1101.96 80 6.3750 1101.96 HICKORY NC 28601 1 04/22/05 00 0424010239 05 06/01/05 0.0000 0424010239 O 05/01/35 0 9902011 E82/G02 F 124,350.00 ZZ 360 124,350.00 1 6.2500 765.64 68 6.0000 765.64 GRANBURY TX 76049 2 04/21/05 00 0401106224 03 06/01/05 0.0000 0401106224 O 05/01/35 0 9902015 E82/G02 F 104,400.00 ZZ 360 104,400.00 1 6.6250 668.48 95 6.3750 668.48 TRINITY NC 27370 2 04/21/05 04 0401103676 05 06/01/05 30.0000 0401103676 O 05/01/35 0 9902017 E82/G02 F 123,100.00 ZZ 360 123,100.00 1 6.2500 757.95 64 6.0000 757.95 PLANO TX 75025 2 04/21/05 00 0401101001 05 06/01/05 0.0000 0401101001 O 05/01/35 0 9902177 E82/G02 F 100,700.00 ZZ 360 100,700.00 1 6.5000 636.49 71 6.2500 636.49 POND CREEK OK 73766 2 04/18/05 00 0401096847 05 06/01/05 0.0000 0401096847 O 05/01/35 0 9902181 E82/G02 F 79,000.00 ZZ 360 79,000.00 1 6.3750 492.86 82 6.1250 492.86 RIVERDALE GA 30274 2 04/18/05 04 0401121272 05 06/01/05 12.0000 0401121272 O 05/01/35 0 9902287 U85/G02 F 117,600.00 ZZ 360 117,600.00 1 6.8750 772.55 80 6.6250 772.55 WEST LIBERTY IA 52776 2 04/22/05 00 0439200395 05 06/01/05 0.0000 TQSFERNANDEZ O 05/01/35 0 9902307 Y78/G02 F 135,920.00 ZZ 360 135,920.00 4 6.7500 764.55 80 6.5000 764.55 COLUMBUS OH 43229 1 04/21/05 00 0439198334 05 06/01/05 0.0000 19909014 N 05/01/35 0 9904793 E22/U57 F 72,000.00 ZZ 360 72,000.00 1 6.7500 405.00 80 6.5000 405.00 PHOENIX AZ 85009 5 04/15/05 00 0423954692 05 06/01/05 0.0000 0423954692 O 05/01/35 0 9904823 E22/G02 F 119,000.00 ZZ 360 119,000.00 1 6.3750 742.41 74 6.1250 742.41 YUKON OK 73099 2 04/18/05 00 0423971712 05 06/01/05 0.0000 0423971712 O 05/01/35 0 9904829 E22/G02 F 68,000.00 ZZ 360 68,000.00 1 6.6250 435.41 80 6.3750 435.41 WAHOO NE 68066 1 04/25/05 00 0423833201 05 06/01/05 0.0000 0423833201 O 05/01/35 0 9904843 E22/G02 F 81,000.00 ZZ 360 81,000.00 1 6.3750 505.33 75 6.1250 505.33 MCALLEN TX 78503 2 04/20/05 00 0423839083 05 06/01/05 0.0000 0423839083 O 05/01/35 0 9904881 E22/G02 F 50,000.00 ZZ 360 50,000.00 1 6.5000 316.03 73 6.2500 316.03 YOUNGTOWN AZ 85363 1 04/19/05 00 0423867241 01 06/01/05 0.0000 0423867241 O 05/01/35 0 9904891 E22/U57 F 117,300.00 ZZ 360 117,300.00 1 6.6250 751.08 85 6.3750 751.08 PRESCOTT VALLEAZ 86314 2 04/19/05 01 0423876309 05 06/01/05 12.0000 0423876309 O 05/01/35 0 9904901 E22/G02 F 144,000.00 ZZ 360 144,000.00 1 6.6250 922.05 80 6.3750 922.05 TACOMA WA 98422 1 04/12/05 00 0423882232 05 06/01/05 0.0000 0423882232 N 05/01/35 0 9904907 E22/G02 F 50,000.00 TX 360 50,000.00 1 6.7500 324.30 76 6.5000 324.30 SAN ANTONIO TX 78225 5 04/18/05 00 0423884196 05 06/01/05 0.0000 0423884196 O 05/01/35 0 9904909 E22/G02 F 97,500.00 ZZ 360 97,500.00 1 6.3750 608.27 75 6.1250 608.27 WEST VALLEY CIUT 84120 1 04/18/05 00 0423887025 05 06/01/05 0.0000 0423887025 N 05/01/35 0 9904911 E22/G02 F 100,500.00 ZZ 360 100,500.00 1 6.3750 626.99 75 6.1250 626.99 SALT LAKE CITYUT 84118 1 04/14/05 00 0423888288 05 06/01/05 0.0000 0423888288 N 05/01/35 0 9904913 E22/G02 F 96,750.00 ZZ 360 96,750.00 1 6.3750 603.59 75 6.1250 603.59 WEST VALLEY CIUT 84128 1 04/14/05 00 0423888445 05 06/01/05 0.0000 0423888445 N 05/01/35 0 9904917 E22/G02 F 88,500.00 ZZ 360 88,500.00 1 6.3750 552.12 75 6.1250 552.12 WEST VALLEY CIUT 84120 2 04/14/05 00 0423888916 05 06/01/05 0.0000 0423888916 N 05/01/35 0 9904921 E22/G02 F 52,200.00 ZZ 360 52,200.00 1 6.8750 342.92 90 6.6250 342.92 WARREN MI 48088 1 04/25/05 04 0423892801 05 06/01/05 25.0000 0423892801 N 05/01/35 0 9904923 E22/G02 F 82,650.00 ZZ 360 82,650.00 1 7.1250 556.83 95 6.8750 556.83 WESTWEGO LA 70094 5 04/19/05 01 0423893536 05 06/01/05 30.0000 0423893536 O 05/01/35 0 9904941 E22/G02 F 119,516.00 ZZ 360 119,516.00 1 6.3750 745.62 80 6.1250 745.62 RIVERTON UT 84065 1 04/19/05 00 0423972207 01 06/01/05 0.0000 0423972207 N 05/01/35 0 9904977 E22/U57 F 136,000.00 ZZ 360 136,000.00 1 6.6250 870.82 80 6.3750 870.82 COLORADO SPRINCO 80911 2 04/19/05 00 0422806976 05 06/01/05 0.0000 0422806976 O 05/01/35 0 9904991 E22/G02 F 93,500.00 ZZ 360 93,500.00 1 6.8750 614.23 85 6.6250 614.23 MARRERO LA 70072 5 04/19/05 01 0423211036 05 06/01/05 12.0000 0423211036 O 05/01/35 0 9904995 E22/U57 F 120,000.00 ZZ 360 120,000.00 1 6.8750 788.31 93 6.6250 788.31 COEUR D'ALENE ID 83814 1 04/18/05 04 0423267152 03 06/01/05 30.0000 0423267152 N 05/01/35 0 9905001 E22/G02 F 238,000.00 ZZ 360 238,000.00 4 6.6250 1523.94 60 6.3750 1523.94 FORT LAUDERDALFL 33312 5 04/25/05 00 0423394717 05 06/01/05 0.0000 0423394717 N 05/01/35 0 9905023 E22/G02 F 95,200.00 ZZ 360 95,200.00 1 6.5000 601.73 80 6.2500 601.73 OCALA FL 34472 1 04/22/05 00 0423916063 05 06/01/05 0.0000 0423916063 N 05/01/35 0 9905029 E22/G02 F 97,600.00 ZZ 360 97,600.00 1 6.5000 616.90 80 6.2500 616.90 OCALA FL 34472 1 04/22/05 00 0423919521 05 06/01/05 0.0000 0423919521 N 05/01/35 0 9905031 E22/G02 F 152,000.00 ZZ 360 152,000.00 1 6.5000 960.74 80 6.2500 960.74 PHOENIX AZ 85006 1 04/19/05 00 0423922111 05 06/01/05 0.0000 0423922111 N 05/01/35 0 9905043 E22/U57 F 217,560.00 ZZ 360 217,560.00 1 6.5000 1178.45 80 6.2500 1178.45 EVERETT WA 98204 1 04/19/05 00 0423939032 29 06/01/05 0.0000 0423939032 O 05/01/35 0 9905049 E22/U57 F 218,500.00 ZZ 360 218,500.00 1 6.8750 1435.39 95 6.6250 1435.39 LENEXA KS 66219 5 04/19/05 04 0423942705 03 06/01/05 30.0000 0423942705 O 05/01/35 0 9905055 E22/U57 F 73,200.00 ZZ 360 73,200.00 1 6.6250 468.71 89 6.3750 468.71 DILLSBURG PA 17019 5 04/25/05 04 0424024024 05 06/01/05 25.0000 0424024024 N 05/01/35 0 9905061 E22/G02 F 115,000.00 ZZ 360 115,000.00 1 6.3750 717.45 47 6.1250 717.45 ODENTON MD 21113 1 04/25/05 00 0424030203 01 06/01/05 0.0000 0424030203 N 05/01/35 0 9905073 E22/G02 F 77,500.00 ZZ 360 77,500.00 1 6.7500 502.66 64 6.5000 502.66 SPRINGFIELD MO 65803 1 04/25/05 00 0424040350 05 06/01/05 0.0000 0424040350 O 05/01/35 0 9905083 E22/U57 F 116,400.00 ZZ 360 116,400.00 1 6.5000 735.73 80 6.2500 735.73 FLAGSTAFF AZ 86004 5 04/11/05 00 0423488824 05 06/01/05 0.0000 0423488824 N 05/01/35 0 9905097 E22/G02 F 340,000.00 ZZ 360 340,000.00 1 6.2500 2093.44 80 6.0000 2093.44 ROY WA 98580 2 04/20/05 00 0423567403 03 06/01/05 0.0000 0423567403 O 05/01/35 0 9905103 E22/U57 F 56,000.00 ZZ 360 56,000.00 1 6.6250 358.57 80 6.3750 358.57 WICHITA KS 67219 5 04/20/05 00 0423588128 05 06/01/05 0.0000 0423588128 O 05/01/35 0 9905105 E22/U57 F 192,000.00 ZZ 360 192,000.00 1 6.8750 1100.00 80 6.6250 1100.00 OTISVILLE NY 10963 2 04/15/05 00 0423621838 05 06/01/05 0.0000 0423621838 O 05/01/35 0 9905131 E22/G02 F 84,000.00 ZZ 360 84,000.00 1 6.3750 524.05 73 6.1250 524.05 AUBURN GA 30011 2 04/25/05 00 0423679950 05 06/01/05 0.0000 0423679950 N 05/01/35 0 9905161 E22/G02 F 120,000.00 ZZ 360 120,000.00 1 6.5000 758.48 69 6.2500 758.48 CICERO IL 60804 2 04/19/05 00 0423722123 05 06/01/05 0.0000 0423722123 O 05/01/35 0 9905175 E22/G02 F 191,920.00 ZZ 360 191,920.00 1 6.6250 1228.88 80 6.3750 1228.88 BIRMINGHAM AL 35226 1 04/25/05 00 0423751882 05 06/01/05 0.0000 0423751882 O 05/01/35 0 9905191 E22/U57 F 87,400.00 ZZ 360 87,400.00 1 6.6250 559.63 95 6.3750 559.63 VANCOUVER WA 98683 1 04/21/05 04 0423773779 01 06/01/05 30.0000 0423773779 N 05/01/35 0 9905195 E22/G02 F 128,000.00 ZZ 360 128,000.00 1 6.8750 840.87 92 6.6250 840.87 HOLLISTER MO 65672 5 04/19/05 10 0423776590 05 06/01/05 30.0000 0423776590 O 05/01/35 0 9905197 E22/U57 F 175,000.00 ZZ 360 175,000.00 1 6.3750 1091.77 75 6.1250 1091.77 MANDEVILLE LA 70471 5 04/20/05 00 0423777234 05 06/01/05 0.0000 0423777234 O 05/01/35 0 9905203 E22/G02 F 62,000.00 ZZ 360 62,000.00 1 6.6250 396.99 83 6.3750 396.99 JACKSONVILLE FL 32216 2 04/22/05 10 0423781590 05 06/01/05 20.0000 0423781590 N 05/01/35 0 9905207 E22/U57 F 26,550.00 ZZ 360 26,550.00 1 7.6250 187.92 90 7.3750 187.92 PINE GROVE PA 17963 1 04/25/05 01 0423782820 05 06/01/05 25.0000 0423782820 O 05/01/35 0 9905211 E22/G02 F 118,808.00 ZZ 360 118,808.00 1 6.3750 741.21 80 6.1250 741.21 RIVERTON UT 84065 1 04/19/05 00 0423785054 01 06/01/05 0.0000 0423785054 N 05/01/35 0 9905213 E22/U57 F 140,000.00 ZZ 360 140,000.00 1 6.3750 743.75 80 6.1250 743.75 MARTINSBURG WV 25401 2 04/20/05 00 0423785401 05 06/01/05 0.0000 0423785401 O 05/01/35 0 9905217 E22/G02 F 108,000.00 ZZ 360 108,000.00 1 6.1250 551.25 22 5.8750 551.25 CARMICHAEL CA 95608 5 04/15/05 00 0423786359 05 06/01/05 0.0000 0423786359 O 05/01/35 0 9905231 E22/G02 F 75,000.00 ZZ 360 75,000.00 1 6.8750 492.70 75 6.6250 492.70 OKTAHA OK 74450 5 04/20/05 00 0423792696 05 06/01/05 0.0000 0423792696 O 05/01/35 0 9905233 E22/G02 F 55,500.00 ZZ 360 55,500.00 1 6.6250 355.37 75 6.3750 355.37 BIRMINGHAM AL 35217 2 04/25/05 00 0423792829 05 06/01/05 0.0000 0423792829 N 05/01/35 0 9905235 E22/U57 F 79,000.00 ZZ 360 79,000.00 1 6.8750 518.97 90 6.6250 518.97 MEMPHIS TN 38108 5 04/20/05 04 0423795137 05 06/01/05 25.0000 0423795137 O 05/01/35 0 9905239 E22/U57 F 89,600.00 ZZ 360 89,600.00 1 6.3750 558.99 80 6.1250 558.99 UNIVERSITY PLAWA 98466 1 04/20/05 00 0423799691 01 06/01/05 0.0000 0423799691 N 05/01/35 0 9905261 E22/U57 F 94,900.00 ZZ 360 94,900.00 1 7.5000 663.55 95 7.2500 663.55 HOUSTON TX 77060 1 04/21/05 10 0423822329 03 06/01/05 30.0000 0423822329 O 05/01/35 0 9905263 E22/G02 F 114,000.00 ZZ 360 114,000.00 1 7.0000 758.44 95 6.7500 758.44 LIGONIER IN 46767 5 04/20/05 04 0423822394 05 06/01/05 30.0000 0423822394 O 05/01/35 0 9905265 E22/G02 F 54,000.00 ZZ 360 54,000.00 1 6.8750 354.74 83 6.6250 354.74 MARION IL 62959 5 04/19/05 04 0423824150 05 06/01/05 12.0000 0423824150 O 05/01/35 0 9905267 E22/U57 F 88,000.00 ZZ 360 88,000.00 1 6.7500 495.00 80 6.5000 495.00 GLENN HEIGHTS TX 75154 2 04/25/05 00 0423824424 05 06/01/05 0.0000 0423824424 N 05/01/35 0 9905289 E82/G02 F 134,400.00 ZZ 360 134,400.00 1 6.7500 871.72 88 6.5000 871.72 MARIETTA GA 30066 2 04/22/05 04 0401112008 05 06/01/05 25.0000 0401112008 O 05/01/35 0 9905297 E82/G02 F 147,000.00 ZZ 360 147,000.00 1 6.6250 941.26 84 6.3750 941.26 RANCHO SANTA MCA 92688 2 04/22/05 04 0401120464 01 06/01/05 12.0000 0401120464 O 05/01/35 0 9905589 H49/G02 F 143,200.00 ZZ 360 143,200.00 1 6.2500 881.71 80 6.0000 881.71 LONGMONT CO 80501 1 04/13/05 00 0439205261 03 06/01/05 0.0000 64933649 N 05/01/35 0 9905885 B98/G02 F 200,800.00 ZZ 360 200,800.00 1 6.7500 1302.38 80 6.5000 1302.38 MERCED CA 95340 1 04/08/05 00 0439205014 05 06/01/05 0.0000 B3050151KN N 05/01/35 0 9906911 E22/G02 F 58,500.00 ZZ 360 58,500.00 1 6.5000 369.76 90 6.2500 369.76 HANCOCK MI 49930 1 04/26/05 10 0423933985 05 06/01/05 25.0000 0423933985 N 05/01/35 0 9907033 E22/G02 F 81,600.00 ZZ 360 81,600.00 1 6.7500 529.26 80 6.5000 529.26 DALLAS TX 75249 2 04/26/05 00 0423864750 05 06/01/05 0.0000 0423864750 N 05/01/35 0 9907095 E22/G02 F 460,000.00 ZZ 360 460,000.00 1 6.1250 2795.01 80 5.8750 2795.01 LIVERMORE CO 80536 5 04/21/05 00 0423739085 05 06/01/05 0.0000 0423739085 O 05/01/35 0 9907121 E22/G02 F 166,500.00 ZZ 360 166,500.00 1 6.7500 1079.92 80 6.5000 1079.92 TACOMA WA 98422 5 04/19/05 00 0423773712 01 06/01/05 0.0000 0423773712 O 05/01/35 0 9907151 E22/G02 F 97,500.00 ZZ 360 97,500.00 2 7.1250 656.88 100 6.8750 656.88 NEW ORLEANS LA 70118 1 04/26/05 04 0423816339 05 06/01/05 35.0000 0423816339 O 05/01/35 0 9907255 E22/G02 F 380,000.00 ZZ 360 380,000.00 4 6.8750 2177.08 80 6.6250 2177.08 NEWARK NJ 07105 1 04/26/05 00 0423700749 05 06/01/05 0.0000 0423700749 N 05/01/35 0 9907257 E22/G02 F 102,400.00 ZZ 360 102,400.00 3 6.7500 664.16 78 6.5000 664.16 GRAND FORKS ND 58203 1 04/26/05 00 0423701440 05 06/01/05 0.0000 0423701440 N 05/01/35 0 9907273 E22/G02 F 184,800.00 ZZ 360 184,800.00 1 6.5000 1168.06 80 6.2500 1168.06 EVANSTON IL 60201 2 04/21/05 00 0423728948 06 06/01/05 0.0000 0423728948 O 05/01/35 0 9907559 A46/G02 F 260,000.00 T 360 260,000.00 1 6.1250 1327.08 80 5.8750 1327.08 FAYETTEVILLE TX 78940 1 04/21/05 00 0439207754 05 06/01/05 0.0000 0490025 O 05/01/35 0 9907597 B39/G02 F 203,200.00 ZZ 360 203,200.00 1 6.6250 1301.11 80 6.3750 1301.11 RAMSEY MN 55303 1 04/27/05 00 0439207630 05 06/01/05 0.0000 0580131F O 05/01/35 0 9907663 U85/G02 F 135,000.00 ZZ 360 135,000.00 2 6.0000 809.39 80 5.7500 809.39 SHEBOYGAN WI 53083 5 04/25/05 00 0439207382 05 06/01/05 0.0000 0425200501 O 05/01/35 0 9907809 E22/G02 F 85,600.00 ZZ 360 85,600.00 1 6.6250 472.58 80 6.3750 472.58 LOUISVILLE KY 40258 2 04/22/05 00 0423149731 05 06/01/05 0.0000 0423149731 O 05/01/35 0 9907815 E22/G02 F 170,400.00 ZZ 360 170,400.00 1 6.5000 1077.04 80 6.2500 1077.04 HIALEAH FL 33015 1 04/27/05 00 0423264365 09 06/01/05 0.0000 0423264365 O 05/01/35 0 9907883 E22/G02 F 208,000.00 ZZ 360 208,000.00 1 6.5000 1314.70 80 6.2500 1314.70 RALEIGH NC 27613 2 04/22/05 00 0423690379 05 06/01/05 0.0000 0423690379 O 05/01/35 0 9907893 E22/G02 F 120,000.00 ZZ 360 120,000.00 1 6.3750 748.64 80 6.1250 748.64 BIG LAKE AK 99652 5 04/19/05 00 0423702760 05 06/01/05 0.0000 0423702760 O 05/01/35 0 9907909 E22/G02 F 204,250.00 ZZ 360 204,250.00 1 6.7500 1324.76 95 6.5000 1324.76 SUNSET TX 76270 1 04/26/05 10 0423744879 05 06/01/05 30.0000 0423744879 O 05/01/35 0 9907927 E22/G02 F 134,829.00 T 360 134,829.00 1 6.3750 716.28 71 6.1250 716.28 SUMMERVILLE SC 29485 1 04/27/05 00 0423781004 05 06/01/05 0.0000 0423781004 O 05/01/35 0 9907929 E22/G02 F 75,000.00 ZZ 360 75,000.00 1 6.8750 492.70 85 6.6250 492.70 SENECA SC 29672 5 04/22/05 10 0423787944 05 06/01/05 12.0000 0423787944 O 05/01/35 0 9907953 E22/G02 F 330,000.00 ZZ 360 330,000.00 1 6.2500 1718.75 75 6.0000 1718.75 SANTA MARIA CA 93455 5 04/19/05 00 0423815240 05 06/01/05 0.0000 0423815240 O 05/01/35 0 9907959 E22/G02 F 105,000.00 ZZ 360 105,000.00 1 6.6250 672.33 62 6.3750 672.33 FORT MYERS FL 33912 5 04/22/05 00 0423819721 05 06/01/05 0.0000 0423819721 O 05/01/35 0 9908019 E22/G02 F 148,000.00 ZZ 360 148,000.00 1 6.7500 959.93 80 6.5000 959.93 FORT PIERCE FL 34982 1 04/27/05 00 0423874312 05 06/01/05 0.0000 0423874312 N 05/01/35 0 9908049 E22/G02 F 37,500.00 ZZ 360 37,500.00 1 6.5000 237.03 75 6.2500 237.03 PUEBLO CO 81001 2 04/27/05 00 0423897107 05 06/01/05 0.0000 0423897107 N 05/01/35 0 9908077 E22/G02 F 50,800.00 ZZ 360 50,800.00 1 6.8750 333.72 80 6.6250 333.72 MEMPHIS TN 38118 2 04/27/05 00 0423914761 05 06/01/05 0.0000 0423914761 N 05/01/35 0 9908089 E22/G02 F 99,900.00 ZZ 360 99,900.00 1 6.5000 631.44 90 6.2500 631.44 DALLAS TX 75233 1 04/22/05 10 0423919596 05 06/01/05 25.0000 0423919596 N 05/01/35 0 9908095 E22/G02 F 238,000.00 ZZ 360 238,000.00 1 6.5000 1504.32 85 6.2500 1504.32 PORTLAND OR 97206 5 04/13/05 10 0423920875 05 06/01/05 12.0000 0423920875 O 05/01/35 0 9908129 E22/G02 F 106,400.00 ZZ 360 106,400.00 1 6.5000 672.52 80 6.2500 672.52 FREEHOLD NJ 07728 1 04/27/05 00 0423943414 01 06/01/05 0.0000 0423943414 N 05/01/35 0 9908161 E22/G02 F 50,040.00 ZZ 360 50,040.00 2 7.0000 332.92 90 6.7500 332.92 LIMA OH 45805 1 04/27/05 04 0423959154 05 06/01/05 25.0000 0423959154 N 05/01/35 0 9908181 E22/G02 F 95,200.00 T 360 95,200.00 1 6.5000 515.67 80 6.2500 515.67 BOISE ID 83713 1 04/20/05 00 0423975069 05 06/01/05 0.0000 0423975069 O 05/01/35 0 9908197 E22/G02 F 60,400.00 ZZ 360 60,400.00 3 7.1250 406.93 90 6.8750 406.93 BATTLE CREEK MI 49017 1 04/27/05 04 0423994599 05 06/01/05 25.0000 0423994599 N 05/01/35 0 9908201 E22/G02 F 170,000.00 ZZ 360 170,000.00 1 6.3750 1060.58 64 6.1250 1060.58 NEWTON NJ 07860 5 04/22/05 00 0424006989 05 06/01/05 0.0000 0424006989 O 05/01/35 0 9908229 E22/G02 F 100,800.00 ZZ 360 100,800.00 1 6.5000 546.00 80 6.2500 546.00 SPRING HILL FL 34608 1 04/25/05 00 0424036283 05 06/01/05 0.0000 0424036283 N 05/01/35 0 9908303 E82/G02 F 112,600.00 ZZ 360 112,600.00 1 6.2500 693.30 87 6.0000 693.30 WEST HAVEN UT 84401 2 04/25/05 04 0401122718 05 06/01/05 25.0000 0401122718 O 05/01/35 0 9908329 E82/G02 F 127,800.00 ZZ 360 127,800.00 1 6.2500 786.89 59 6.0000 786.89 LAS VEGAS NV 89108 2 04/25/05 00 0401114061 05 06/01/05 0.0000 0401114061 O 05/01/35 0 9908335 E82/G02 F 83,700.00 ZZ 360 83,700.00 1 6.5000 529.04 41 6.2500 529.04 MORGANTOWN WV 26505 2 04/25/05 00 0401110200 05 06/01/05 0.0000 0401110200 O 05/01/35 0 9908339 E82/G02 F 50,000.00 ZZ 360 50,000.00 2 6.8750 328.46 65 6.6250 328.46 JACKSONVILLE FL 32209 2 04/26/05 00 0401113600 05 06/01/05 0.0000 0401113600 N 05/01/35 0 9908347 E82/G02 F 65,900.00 ZZ 360 65,900.00 2 6.7500 427.43 74 6.5000 427.43 UPPER DARBY PA 19082 2 04/25/05 00 0401114236 05 06/01/05 0.0000 0401114236 O 05/01/35 0 9908365 E82/G02 F 316,000.00 ZZ 360 316,000.00 1 6.3750 1971.44 53 6.1250 1971.44 BUZZARDS BAY MA 02532 5 04/25/05 00 0401108071 05 06/01/05 0.0000 0401108071 O 05/01/35 0 9908791 U85/G02 F 57,690.00 ZZ 360 57,690.00 2 7.2500 393.55 90 7.0000 393.55 JANESVILLE WI 53546 1 04/15/05 48 0439212432 05 06/01/05 25.0000 31328952975 N 05/01/35 0 9908815 H49/G02 F 109,250.00 ZZ 360 109,250.00 4 7.2500 745.28 95 7.0000 745.28 TULSA OK 74120 1 04/18/05 11 0439210824 05 06/01/05 30.0000 644974306 O 05/01/35 0 9908867 Q14/G02 F 85,000.00 ZZ 360 85,000.00 1 7.2500 579.85 94 7.0000 579.85 SILVIS IL 61282 5 04/07/05 01 0439203480 05 06/01/05 30.0000 0000525828 O 05/01/35 0 9908949 F62/F62 F 577,500.00 ZZ 360 577,500.00 1 6.1250 3508.95 75 5.8750 3508.95 MIAMI FL 33175 1 04/21/05 00 45925 05 06/01/05 0.0000 45925 O 05/01/35 0 9909013 B39/G02 F 140,000.00 ZZ 360 140,000.00 1 6.7500 908.04 78 6.5000 908.04 EAGAN MN 55122 1 04/28/05 00 0439206517 05 06/01/05 0.0000 05801332F N 05/01/35 0 9909267 E22/G02 F 206,400.00 ZZ 360 206,400.00 1 6.1250 1254.11 80 5.8750 1254.11 SEATTLE WA 98116 1 04/25/05 00 0424014835 01 06/01/05 0.0000 0424014835 O 05/01/35 0 9909275 E22/G02 F 203,000.00 ZZ 360 203,000.00 2 6.2500 1249.91 89 6.0000 1249.91 AUSTIN TX 78702 2 04/28/05 04 0424024990 05 06/01/05 25.0000 0424024990 N 05/01/35 0 9909293 E22/G02 F 83,000.00 ZZ 360 83,000.00 1 6.2500 511.05 73 6.0000 511.05 SPRINGFIELD MO 65810 2 04/28/05 00 0424055242 07 06/01/05 0.0000 0424055242 N 05/01/35 0 9909307 E22/G02 F 184,000.00 ZZ 360 184,000.00 1 6.2500 1132.92 80 6.0000 1132.92 HOUSTON TX 77004 1 04/28/05 00 0423973072 09 06/01/05 0.0000 0423973072 O 05/01/35 0 9909321 E22/G02 F 42,555.00 ZZ 360 42,555.00 1 6.1250 258.57 71 5.8750 258.57 HUMBLE TX 77338 2 04/25/05 00 0423987494 09 06/01/05 0.0000 0423987494 N 05/01/35 0 9909323 E22/G02 F 35,965.00 ZZ 360 35,965.00 1 6.1250 218.53 58 5.8750 218.53 HUMBLE TX 77338 2 04/28/05 00 0423987528 09 06/01/05 0.0000 0423987528 N 05/01/35 0 9909325 E22/G02 F 212,400.00 ZZ 360 212,400.00 4 7.0000 1413.10 89 6.7500 1413.10 NEW ORLEANS LA 70114 1 04/28/05 10 0423988971 05 06/01/05 25.0000 0423988971 N 05/01/35 0 9909335 E22/G02 F 135,000.00 ZZ 360 135,000.00 4 6.8750 886.85 90 6.6250 886.85 ST. LOUIS MO 63111 1 04/27/05 04 0424005049 05 06/01/05 25.0000 0424005049 N 05/01/35 0 9909339 E22/G02 F 56,000.00 ZZ 360 56,000.00 1 6.8750 367.88 80 6.6250 367.88 PHILADELPHIA PA 19139 5 04/28/05 00 0423931831 07 06/01/05 0.0000 0423931831 N 05/01/35 0 9909343 E22/G02 F 229,500.00 ZZ 360 229,500.00 1 7.1250 1546.18 85 6.8750 1546.18 LA QUINTA CA 92253 5 04/21/05 04 0423937374 05 06/01/05 12.0000 0423937374 O 05/01/35 0 9909365 E22/G02 F 40,362.00 ZZ 360 40,362.00 1 6.1250 245.24 68 5.8750 245.24 HUMBLE TX 77338 2 04/28/05 00 0423965532 09 06/01/05 0.0000 0423965532 N 05/01/35 0 9909367 E22/G02 F 42,350.00 ZZ 360 42,350.00 1 6.1250 257.32 71 5.8750 257.32 HUMBLE TX 77338 2 04/28/05 00 0423965565 09 06/01/05 0.0000 0423965565 N 05/01/35 0 9909369 E22/G02 F 42,526.00 ZZ 360 42,526.00 1 6.1250 258.39 68 5.8750 258.39 HUMBLE TX 77338 2 04/25/05 00 0423965581 09 06/01/05 0.0000 0423965581 N 05/01/35 0 9909371 E22/G02 F 30,900.00 ZZ 360 30,900.00 1 6.1250 187.75 52 5.8750 187.75 HUMBLE TX 77338 2 04/28/05 00 0423965623 09 06/01/05 0.0000 0423965623 N 05/01/35 0 9909373 E22/G02 F 296,800.00 ZZ 360 296,800.00 1 6.2500 1827.45 80 6.0000 1827.45 WINNETKA IL 60093 1 04/28/05 00 0423966407 01 06/01/05 0.0000 0423966407 O 05/01/35 0 9909411 E22/G02 F 85,000.00 ZZ 360 85,000.00 1 6.7500 478.13 64 6.5000 478.13 FORT MOHAVE AZ 86426 5 04/19/05 00 0423931120 05 06/01/05 0.0000 0423931120 O 05/01/35 0 9909415 E22/G02 F 169,280.00 ZZ 360 169,280.00 4 6.7500 1097.95 80 6.5000 1097.95 SAINT LOUIS MO 63109 1 04/28/05 00 0423826072 05 06/01/05 0.0000 0423826072 N 05/01/35 0 9909425 E22/G02 F 200,000.00 ZZ 360 200,000.00 2 6.3750 1062.50 80 6.1250 1062.50 SALT LAKE CITYUT 84101 1 04/25/05 00 0423835784 05 06/01/05 0.0000 0423835784 O 05/01/35 0 9909443 E22/G02 F 70,000.00 ZZ 360 70,000.00 1 6.1250 425.33 80 5.8750 425.33 HOUSTON TX 77070 1 04/28/05 00 0423855733 03 06/01/05 0.0000 0423855733 N 05/01/35 0 9909465 E22/G02 F 65,550.00 ZZ 360 65,550.00 1 6.8750 430.62 95 6.6250 430.62 THREE RIVERS MI 49093 1 04/28/05 04 0423801398 05 06/01/05 30.0000 0423801398 O 05/01/35 0 9909519 E22/G02 F 131,000.00 ZZ 360 131,000.00 1 6.6250 723.23 80 6.3750 723.23 PALM COAST FL 32164 1 04/28/05 00 0423767029 05 06/01/05 0.0000 0423767029 O 05/01/35 0 9909543 E22/G02 F 72,000.00 ZZ 360 72,000.00 2 6.6250 461.02 90 6.3750 461.02 MALINTA OH 43535 1 04/28/05 10 0423629476 05 06/01/05 25.0000 0423629476 N 05/01/35 0 9909575 E22/G02 F 112,000.00 ZZ 360 112,000.00 1 6.2500 689.60 80 6.0000 689.60 MOLALLA OR 97038 1 04/22/05 00 0423184985 05 06/01/05 0.0000 0423184985 O 05/01/35 0 9909577 E22/G02 F 125,100.00 ZZ 360 125,100.00 1 7.0000 832.29 90 6.7500 832.29 TRENTON GA 30752 1 04/28/05 10 0423208636 05 06/01/05 30.0000 0423208636 O 05/01/35 0 9910279 E82/G02 F 63,500.00 ZZ 360 63,500.00 2 6.8750 417.15 77 6.6250 417.15 LORAIN OH 44055 2 04/28/05 00 0401096003 05 06/01/05 0.0000 0401096003 N 05/01/35 0 9910297 P34/G02 F 250,000.00 ZZ 360 250,000.00 3 6.5000 1580.18 67 6.2500 1580.18 PROVIDENCE RI 02909 5 04/13/05 00 0439214925 05 06/01/05 0.0000 1000604854 O 05/01/35 0 9910311 P34/G02 F 241,200.00 ZZ 360 241,200.00 3 7.2500 1645.41 90 7.0000 1645.41 PROVIDENCE RI 02908 1 04/29/05 04 0439214917 05 06/01/05 25.0000 1000605218 N 05/01/35 0 9910509 Q30/G02 F 215,000.00 ZZ 360 215,000.00 1 6.2500 1323.79 68 6.0000 1323.79 SAINT ALBANS NY 11412 5 04/14/05 00 0439206111 07 06/01/05 0.0000 40040865 O 05/01/35 0 9911075 E22/G02 F 72,000.00 ZZ 360 72,000.00 1 6.6250 461.02 80 6.3750 461.02 TULSA OK 74105 2 04/25/05 00 0423890425 05 06/01/05 0.0000 0423890425 O 05/01/35 0 9911159 E22/G02 F 96,350.00 ZZ 360 96,350.00 1 6.1250 585.43 39 5.8750 585.43 CHARLOTTE NC 28211 5 04/25/05 00 0424003598 05 06/01/05 0.0000 0424003598 O 05/01/35 0 9911173 E22/G02 F 177,600.00 T 360 177,600.00 1 6.3750 1107.99 80 6.1250 1107.99 HOLLISTER MO 65672 1 04/28/05 00 0424013621 05 06/01/05 0.0000 0424013621 O 05/01/35 0 9911179 E22/G02 F 84,000.00 ZZ 360 84,000.00 1 6.3750 524.05 80 6.1250 524.05 MISSOURI CITY TX 77478 2 04/29/05 00 0424015600 03 06/01/05 0.0000 0424015600 N 05/01/35 0 9911185 E22/G02 F 90,400.00 ZZ 360 90,400.00 1 6.3750 563.98 77 6.1250 563.98 MISSOURI CITY TX 77479 2 04/29/05 00 0424017093 03 06/01/05 0.0000 0424017093 N 05/01/35 0 9911279 E22/G02 F 144,000.00 ZZ 360 144,000.00 4 7.2500 982.33 90 7.0000 982.33 NORMAN OK 73071 1 04/29/05 10 0424050193 05 06/01/05 25.0000 0424050193 N 05/01/35 0 9911287 E22/G02 F 84,000.00 ZZ 360 84,000.00 1 6.5000 530.94 80 6.2500 530.94 TORRINGTON CT 06790 1 04/29/05 00 0423876341 01 06/01/05 0.0000 0423876341 N 05/01/35 0 9911337 E22/G02 F 113,300.00 ZZ 360 113,300.00 4 6.2500 697.61 90 6.0000 697.61 HUBER HEIGHTS OH 45424 1 04/29/05 04 0423860105 05 06/01/05 25.0000 0423860105 N 05/01/35 0 9911363 E22/G02 F 235,000.00 ZZ 360 235,000.00 1 6.1250 1427.88 67 5.8750 1427.88 EUGENE OR 97405 1 04/22/05 00 0424051761 03 06/01/05 0.0000 0424051761 O 05/01/35 0 9911383 E22/G02 F 211,075.00 ZZ 360 211,075.00 1 6.3750 1316.83 76 6.1250 1316.83 SAN ANTONIO TX 78209 2 04/25/05 00 0424057487 05 06/01/05 0.0000 0424057487 O 05/01/35 0 9911469 E22/G02 F 178,500.00 ZZ 360 178,500.00 1 6.3750 1113.61 75 6.1250 1113.61 PHOENIX AZ 85044 1 04/27/05 00 0423828789 03 06/01/05 0.0000 0423828789 N 05/01/35 0 9911499 E22/G02 F 123,200.00 ZZ 360 123,200.00 1 6.3750 654.50 80 6.1250 654.50 BOISE ID 83709 1 04/22/05 00 0423835552 03 06/01/05 0.0000 0423835552 N 05/01/35 0 9911575 E22/G02 F 84,000.00 ZZ 360 84,000.00 1 6.6250 537.86 80 6.3750 537.86 HIALEAH FL 33012 1 04/29/05 00 0423846344 01 06/01/05 0.0000 0423846344 N 05/01/35 0 9911783 E22/G02 F 153,750.00 ZZ 360 153,750.00 4 6.3750 816.80 75 6.1250 816.80 PHOENIX AZ 85009 1 04/21/05 00 0423796440 05 06/01/05 0.0000 0423796440 N 05/01/35 0 9911785 E22/G02 F 153,750.00 ZZ 360 153,750.00 4 6.3750 816.80 75 6.1250 816.80 PHOENIX AZ 85009 1 04/21/05 00 0423796622 05 06/01/05 0.0000 0423796622 N 05/01/35 0 9911789 E22/G02 F 153,750.00 ZZ 360 153,750.00 4 6.3750 816.80 75 6.1250 816.80 PHOENIX AZ 85009 1 04/21/05 00 0423796820 05 06/01/05 0.0000 0423796820 N 05/01/35 0 9911807 E22/G02 F 87,400.00 ZZ 360 87,400.00 1 6.3750 545.26 95 6.1250 545.26 NEW CASTLE DE 19720 1 04/29/05 01 0423809193 01 06/01/05 30.0000 0423809193 O 05/01/35 0 9911811 E22/G02 F 153,750.00 ZZ 360 153,750.00 4 6.3750 816.80 75 6.1250 816.80 PHOENIX AZ 85009 1 04/21/05 00 0423788207 05 06/01/05 0.0000 0423788207 N 05/01/35 0 9911821 E22/G02 F 47,600.00 ZZ 360 47,600.00 1 7.2500 324.72 85 7.0000 324.72 WEST CHESTER OH 45069 1 04/19/05 10 0423765999 05 06/01/05 12.0000 0423765999 O 05/01/35 0 9911841 E22/G02 F 203,800.00 ZZ 360 203,800.00 1 6.7500 1321.84 93 6.5000 1321.84 FORT WORTH TX 76137 2 04/25/05 10 0423778349 03 06/01/05 30.0000 0423778349 O 05/01/35 0 9911877 E22/G02 F 76,800.00 ZZ 360 76,800.00 1 6.3750 479.13 80 6.1250 479.13 CHARLESTON SC 29407 2 04/25/05 00 0423734540 01 06/01/05 0.0000 0423734540 O 05/01/35 0 9911885 E22/G02 F 94,320.00 ZZ 360 94,320.00 1 6.7500 611.76 80 6.5000 611.76 FARGO ND 58102 1 04/29/05 00 0423743764 05 06/01/05 0.0000 0423743764 N 05/01/35 0 9911943 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 6.3750 1247.74 41 6.1250 1247.74 MAPLETON OR 97453 5 04/21/05 00 0423641133 05 06/01/05 0.0000 0423641133 O 05/01/35 0 9911947 E22/G02 F 145,000.00 ZZ 360 145,000.00 1 5.8750 709.90 55 5.6250 709.90 BOONSBORO MD 21713 5 04/22/05 00 0423649789 05 06/01/05 0.0000 0423649789 O 05/01/35 0 9911961 E22/G02 F 167,200.00 ZZ 360 167,200.00 1 6.3750 1043.11 80 6.1250 1043.11 SPOKANE WA 99224 1 04/22/05 00 0423670827 05 06/01/05 0.0000 0423670827 O 05/01/35 0 9911975 E22/G02 F 170,000.00 ZZ 360 170,000.00 1 6.5000 1074.52 80 6.2500 1074.52 ST. JOSEPH MI 49085 1 04/29/05 00 0423541606 05 06/01/05 0.0000 0423541606 O 05/01/35 0 9911977 E22/G02 F 52,720.00 ZZ 360 52,720.00 1 6.6250 337.57 80 6.3750 337.57 BIRMINGHAM AL 35224 1 04/29/05 00 0423549617 05 06/01/05 0.0000 0423549617 N 05/01/35 0 9911997 E22/G02 F 114,375.00 ZZ 360 114,375.00 2 6.8750 655.27 75 6.6250 655.27 WEST VALLEY CIUT 84119 1 04/27/05 00 0423605013 05 06/01/05 0.0000 0423605013 N 05/01/35 0 9911999 E22/G02 F 103,000.00 ZZ 360 103,000.00 1 6.5000 651.03 30 6.2500 651.03 FRESNO CA 93727 2 04/22/05 00 0423612993 05 06/01/05 0.0000 0423612993 O 05/01/35 0 9912017 E22/G02 F 114,160.00 ZZ 360 114,160.00 1 6.3750 712.21 80 6.1250 712.21 GREENSBORO NC 27406 1 04/29/05 00 0423445907 05 06/01/05 0.0000 0423445907 O 05/01/35 0 9912029 E22/G02 F 104,500.00 ZZ 360 104,500.00 1 6.8750 686.49 95 6.6250 686.49 HUNTINGDON PA 16652 5 04/25/05 01 0423487800 05 06/01/05 30.0000 0423487800 O 05/01/35 0 9912039 E22/G02 F 199,920.00 ZZ 360 199,920.00 1 6.0000 999.60 80 5.7500 999.60 ERIE CO 80516 1 04/29/05 00 0423404706 03 06/01/05 0.0000 0423404706 O 05/01/35 0 9912041 E22/G02 F 135,600.00 ZZ 360 135,600.00 1 6.2500 706.25 80 6.0000 706.25 KENT WA 98042 1 04/28/05 00 0422860437 01 06/01/05 0.0000 0422860437 O 05/01/35 0 9912059 E22/G02 F 183,750.00 ZZ 360 183,750.00 2 6.3750 976.17 75 6.1250 976.17 LOVELAND CO 80537 1 04/29/05 00 0423191105 05 06/01/05 0.0000 0423191105 N 05/01/35 0 9912081 E22/G02 F 74,900.00 ZZ 360 74,900.00 1 6.2500 461.17 30 6.0000 461.17 STOCKTON CA 95203 5 04/20/05 00 0423900521 05 06/01/05 0.0000 0423900521 O 05/01/35 0 9912107 E22/G02 F 140,000.00 ZZ 360 140,000.00 1 6.2500 862.00 44 6.0000 862.00 BONNERS FERRY ID 83805 5 04/25/05 00 0423909985 05 06/01/05 0.0000 0423909985 O 05/01/35 0 9912135 E22/G02 F 121,000.00 ZZ 360 121,000.00 4 6.2500 745.02 90 6.0000 745.02 HUBER HEIGHTS OH 45424 1 04/29/05 04 0423921741 05 06/01/05 25.0000 0423921741 N 05/01/35 0 9912159 E22/G02 F 201,600.00 ZZ 360 201,600.00 1 6.2500 1050.00 80 6.0000 1050.00 NORTH PORT FL 34289 1 04/29/05 00 0423928894 09 06/01/05 0.0000 0423928894 O 05/01/35 0 9912179 E22/G02 F 177,000.00 ZZ 360 177,000.00 1 6.5000 1118.76 71 6.2500 1118.76 BOSQUE FARMS NM 87068 1 04/29/05 00 0423935675 05 06/01/05 0.0000 0423935675 O 05/01/35 0 9912189 E22/G02 F 405,000.00 ZZ 360 405,000.00 1 6.2500 2493.65 75 6.0000 2493.65 FORT WASHINGTOMD 20744 5 04/19/05 00 0423938836 05 06/01/05 0.0000 0423938836 O 05/01/35 0 9912193 E22/G02 F 115,425.00 ZZ 360 115,425.00 3 6.7500 748.64 95 6.5000 748.64 NEW ORLEANS LA 70119 1 04/29/05 10 0423940790 05 06/01/05 30.0000 0423940790 O 05/01/35 0 9912221 E22/G02 F 137,000.00 ZZ 360 137,000.00 1 6.1250 832.43 28 5.8750 832.43 OXNARD CA 93033 2 04/22/05 00 0423946839 05 06/01/05 0.0000 0423946839 O 05/01/35 0 9912231 E22/G02 F 103,500.00 ZZ 360 103,500.00 1 6.6250 662.72 90 6.3750 662.72 MONTGOMERY AL 36109 1 04/29/05 04 0423950245 05 06/01/05 25.0000 0423950245 N 05/01/35 0 9912243 E22/G02 F 68,000.00 TX 360 68,000.00 1 6.5000 429.81 73 6.2500 429.81 IRVING TX 75060 5 04/29/05 00 0423951979 05 06/01/05 0.0000 0423951979 N 05/01/35 0 9912281 E22/G02 F 57,100.00 ZZ 360 57,100.00 1 6.5000 360.91 80 6.2500 360.91 SOUTHAVEN MS 38671 1 04/29/05 00 0424076925 05 06/01/05 0.0000 0424076925 N 05/01/35 0 9912355 E22/G02 F 124,700.00 ZZ 360 124,700.00 1 6.3750 777.97 80 6.1250 777.97 HAYDEN ID 83835 1 04/27/05 00 0423967850 05 06/01/05 0.0000 0423967850 N 05/01/35 0 9912359 E22/G02 F 51,000.00 ZZ 360 51,000.00 1 6.3750 318.17 68 6.1250 318.17 LARAMIE WY 82070 1 04/29/05 00 0423968700 01 06/01/05 0.0000 0423968700 O 05/01/35 0 9912371 E22/G02 F 106,000.00 ZZ 360 106,000.00 1 6.3750 661.30 80 6.1250 661.30 GRAND JUNCTIONCO 81504 1 04/29/05 00 0423976232 05 06/01/05 0.0000 0423976232 O 05/01/35 0 9912417 E22/G02 F 107,920.00 ZZ 360 107,920.00 1 6.6250 691.02 80 6.3750 691.02 LAWRENCEVILLE GA 30043 1 04/29/05 00 0423983790 05 06/01/05 0.0000 0423983790 N 05/01/35 0 9912439 E22/G02 F 124,550.00 ZZ 360 124,550.00 1 6.2500 766.88 36 6.0000 766.88 INGLEWOOD CA 90305 2 04/22/05 00 0423989870 01 06/01/05 0.0000 0423989870 O 05/01/35 0 9913563 E22/G02 F 54,800.00 ZZ 360 54,800.00 1 6.6250 350.89 80 6.3750 350.89 MEMPHIS TN 38128 2 05/02/05 00 0424007425 05 06/01/05 0.0000 0424007425 N 05/01/35 0 9913571 E22/G02 F 117,600.00 ZZ 360 117,600.00 1 6.1250 714.55 80 5.8750 714.55 BARTLETT TN 38133 2 05/02/05 00 0424012664 05 06/01/05 0.0000 0424012664 N 05/01/35 0 9913573 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 6.3750 623.87 75 6.1250 623.87 ATLANTA GA 30344 5 05/02/05 00 0424013282 05 06/01/05 0.0000 0424013282 N 05/01/35 0 9913587 E22/G02 F 292,000.00 ZZ 360 292,000.00 1 6.3750 1821.70 80 6.1250 1821.70 HESPERIA CA 92345 1 04/27/05 00 0424018455 05 06/01/05 0.0000 0424018455 O 05/01/35 0 9913619 E22/G02 F 88,000.00 ZZ 360 88,000.00 1 6.5000 556.22 80 6.2500 556.22 COLORADO SPRINCO 80906 2 05/02/05 00 0424054872 05 06/01/05 0.0000 0424054872 N 05/01/35 0 9913629 E22/G02 F 127,300.00 ZZ 360 127,300.00 1 6.8750 836.27 95 6.6250 836.27 SHELBYVILLE KY 40065 5 04/27/05 04 0424061927 05 06/01/05 30.0000 0424061927 O 05/01/35 0 9913633 E22/G02 F 114,375.00 ZZ 360 114,375.00 2 6.5000 722.93 75 6.2500 722.93 WEST VALLEY CIUT 84120 1 04/28/05 00 0424064897 05 06/01/05 0.0000 0424064897 N 05/01/35 0 9913641 E22/G02 F 132,000.00 ZZ 360 132,000.00 1 6.2500 812.75 80 6.0000 812.75 KINGWOOD TX 77339 1 05/02/05 00 0424085819 03 06/01/05 0.0000 0424085819 O 05/01/35 0 9913651 E22/G02 F 125,600.00 ZZ 360 125,600.00 1 6.5000 793.88 80 6.2500 793.88 ROBERTSDALE AL 36567 1 05/02/05 00 0424111920 05 06/01/05 0.0000 0424111920 O 05/01/35 0 9913685 E22/G02 F 147,510.00 ZZ 360 147,510.00 1 6.3750 920.27 90 6.1250 920.27 SNELLVILLE GA 30039 1 05/02/05 04 0423362664 03 06/01/05 30.0000 0423362664 N 05/01/35 0 9913791 E22/G02 F 126,000.00 ZZ 360 126,000.00 2 6.2500 775.80 70 6.0000 775.80 BRANSON MO 65616 2 04/27/05 00 0423832617 05 06/01/05 0.0000 0423832617 O 05/01/35 0 9913793 E22/G02 F 142,200.00 ZZ 360 142,200.00 1 6.5000 898.80 90 6.2500 898.80 POPLAR BLUFF MO 63901 2 04/27/05 10 0423836634 03 06/01/05 25.0000 0423836634 O 05/01/35 0 9913815 E22/G02 F 479,600.00 ZZ 360 479,600.00 1 6.2500 2952.98 80 6.0000 2952.98 SEATTLE WA 98144 1 04/22/05 00 0423857697 05 06/01/05 0.0000 0423857697 O 05/01/35 0 9913819 E22/G02 F 136,800.00 TX 360 136,800.00 1 6.6250 875.95 80 6.3750 875.95 WEATHERFORD TX 76085 5 04/27/05 00 0423861723 05 06/01/05 0.0000 0423861723 O 05/01/35 0 9913823 E22/G02 F 108,000.00 ZZ 360 108,000.00 2 6.7500 700.49 80 6.5000 700.49 CHALMETTE LA 70043 2 04/27/05 00 0423871870 05 06/01/05 0.0000 0423871870 O 05/01/35 0 9913867 E22/G02 F 153,300.00 ZZ 360 153,300.00 3 7.1250 1032.81 70 6.8750 1032.81 MANHATTAN KS 66502 5 04/29/05 00 0423912377 05 06/01/05 0.0000 0423912377 N 05/01/35 0 9915839 U85/G02 F 62,800.00 ZZ 360 62,800.00 1 6.8750 412.55 80 6.6250 412.55 SILVIS IL 61282 2 04/29/05 00 0439218355 05 06/01/05 0.0000 90346358 O 05/01/35 0 9916149 E22/G02 F 165,000.00 ZZ 360 165,000.00 1 6.6250 1056.51 90 6.3750 1056.51 PULLMAN WA 99163 1 04/26/05 04 0423746759 05 06/01/05 25.0000 0423746759 O 05/01/35 0 9916165 E22/G02 F 240,000.00 ZZ 360 240,000.00 1 6.2500 1250.00 80 6.0000 1250.00 SAN LORENZO CA 94580 2 04/22/05 00 0423782564 03 06/01/05 0.0000 0423782564 N 05/01/35 0 9916173 E22/G02 F 215,000.00 ZZ 360 215,000.00 1 6.3750 1341.32 70 6.1250 1341.32 CHICO CA 95973 2 04/21/05 00 0423795491 05 06/01/05 0.0000 0423795491 N 05/01/35 0 9916187 E22/G02 F 280,000.00 ZZ 360 280,000.00 1 6.2500 1458.33 80 6.0000 1458.33 SAN LORENZO CA 94580 2 04/25/05 00 0423813666 03 06/01/05 0.0000 0423813666 N 05/01/35 0 9916287 E22/G02 F 140,000.00 ZZ 360 140,000.00 1 6.3750 743.75 66 6.1250 743.75 STEPHENS CITY VA 22655 5 04/28/05 00 0423965227 05 06/01/05 0.0000 0423965227 O 05/01/35 0 9916339 E22/G02 F 117,000.00 ZZ 360 117,000.00 3 7.1250 788.25 90 6.8750 788.25 NEW ORLEANS LA 70118 1 05/03/05 04 0424007060 05 06/01/05 25.0000 0424007060 N 05/01/35 0 9916355 E22/G02 F 178,000.00 ZZ 360 178,000.00 1 6.1250 1081.55 75 5.8750 1081.55 ASHVILLE PA 16613 5 04/28/05 00 0424019644 05 06/01/05 0.0000 0424019644 O 05/01/35 0 9916393 E22/G02 F 96,000.00 ZZ 360 96,000.00 1 6.6250 614.70 80 6.3750 614.70 RIVIERA BEACH FL 33404 1 05/03/05 00 0424055010 05 06/01/05 0.0000 0424055010 N 05/01/35 0 9916715 E82/G02 F 62,500.00 ZZ 360 62,500.00 1 6.8750 410.58 64 6.6250 410.58 PHOENIX AZ 85017 2 04/22/05 00 0401110416 05 06/01/05 0.0000 0401110416 N 05/01/35 0 9917263 E22/G02 F 100,000.00 ZZ 360 100,000.00 2 6.2500 615.72 80 6.0000 615.72 BIG RAPIDS MI 49307 2 05/04/05 00 0423779180 05 06/01/05 0.0000 0423779180 N 05/01/35 0 9917283 E22/G02 F 162,400.00 ZZ 360 162,400.00 1 6.5000 1026.48 80 6.2500 1026.48 MILL CREEK OK 74856 2 04/29/05 00 0423823392 05 06/01/05 0.0000 0423823392 O 05/01/35 0 9917289 E22/G02 F 75,000.00 ZZ 360 75,000.00 1 6.8750 492.70 90 6.6250 492.70 OKC OK 73117 5 04/29/05 10 0423841808 05 06/01/05 25.0000 0423841808 O 05/01/35 0 9917401 E22/G02 F 209,000.00 ZZ 360 209,000.00 1 6.3750 1303.89 74 6.1250 1303.89 ANDOVER TWP NJ 07860 5 04/21/05 00 0423982537 05 06/01/05 0.0000 0423982537 O 05/01/35 0 9917455 E22/G02 F 65,625.00 ZZ 360 65,625.00 1 6.6250 420.20 75 6.3750 420.20 CHESTER VA 23836 1 05/04/05 00 0424012847 05 06/01/05 0.0000 0424012847 N 05/01/35 0 9917499 E22/G02 F 75,000.00 ZZ 360 75,000.00 1 6.3750 467.90 79 6.1250 467.90 SPOKANE WA 99208 5 04/28/05 00 0424059426 05 06/01/05 0.0000 0424059426 O 05/01/35 0 9917525 E22/G02 F 250,000.00 ZZ 360 250,000.00 2 6.5000 1580.17 80 6.2500 1580.17 SACRAMENTO CA 95820 5 04/28/05 00 0424088441 05 06/01/05 0.0000 0424088441 N 05/01/35 0 9917535 E22/G02 F 77,000.00 ZZ 360 77,000.00 1 6.5000 486.69 70 6.2500 486.69 RICHMOND VA 23234 5 05/04/05 00 0424097871 05 06/01/05 0.0000 0424097871 N 05/01/35 0 9917543 E22/G02 F 140,000.00 ZZ 360 140,000.00 1 6.2500 862.00 78 6.0000 862.00 KIRKLAND WA 98034 2 04/28/05 00 0424102309 01 06/01/05 0.0000 0424102309 O 05/01/35 0 9917553 E22/G02 F 96,300.00 ZZ 360 96,300.00 2 7.0000 640.69 90 6.7500 640.69 NEW ORLEANS LA 70126 2 05/04/05 10 0424128577 05 06/01/05 25.0000 0424128577 N 05/01/35 0 Total Number of Loans 1,529 Total Original Balance 265,550,676.00 Total Principal Balance 265,144,242.73 Total Original P+I 1,650,855.00 Total Current P+I 1,650,855.00 46 Fixed Rate Passthru Loan Number Sub Serv Fee Principal Bal Mstr Serv Fee Curr Note Rate Alloc Exp Net Curr Misc Exp Investor Rate Spread Post Strip Rate Strip 8295811 0.2500 134994.66 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9585231 0.2500 135216.33 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9613347 0.2500 129408.31 0.0800 7.1250 0.0000 6.8750 0.0000 6.7950 5.7500 1.0450 9628952 0.2500 230191.15 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9629224 0.2500 53176.43 0.0300 6.0000 0.0000 5.7500 0.0000 5.7200 5.7200 0.0000 9629250 0.2500 143475.03 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9633758 0.2500 144265.43 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.7500 0.6700 9633814 0.2500 99743.41 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.7500 0.7950 9634006 0.2500 265373.71 0.0800 7.2500 0.0000 7.0000 0.0000 6.9200 5.7500 1.1700 9634022 0.2500 101280.70 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.7500 0.6700 9634078 0.2500 95000.56 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.7500 0.7950 9634114 0.2500 112426.39 0.0800 7.0000 0.0000 6.7500 0.0000 6.6700 5.7500 0.9200 9635540 0.2500 97383.72 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9635598 0.2500 106832.19 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9635704 0.2500 119403.08 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9635738 0.2500 146008.21 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9635752 0.2500 111679.50 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9637993 0.2500 110358.02 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.7500 0.7950 9645251 0.2500 115341.47 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9654326 0.2500 513662.26 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.7500 0.6700 9654358 0.2500 249213.18 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9654380 0.2500 176118.43 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9654390 0.2500 98730.05 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9654396 0.2500 211891.96 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9654408 0.2500 101735.03 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.7500 0.6700 9654418 0.2500 171886.73 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9654760 0.2500 355272.30 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 9654772 0.2500 205823.43 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9654794 0.2500 123645.18 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9654852 0.2500 495075.29 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9654870 0.2500 325658.52 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9655588 0.2500 228594.01 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9655626 0.2500 185079.84 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.7500 0.6700 9655628 0.2500 326062.61 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.7500 0.0450 9655636 0.2500 122879.96 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.7500 0.6700 9655640 0.2500 99814.27 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9655658 0.2500 322966.79 0.0800 7.2500 0.0000 7.0000 0.0000 6.9200 5.7500 1.1700 9655660 0.2500 127234.87 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9655666 0.2500 107745.69 0.0800 7.2500 0.0000 7.0000 0.0000 6.9200 5.7500 1.1700 9655690 0.2500 107804.19 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9655704 0.2500 99752.63 0.0800 7.0000 0.0000 6.7500 0.0000 6.6700 5.7500 0.9200 9655716 0.2500 121241.05 0.0800 7.7500 0.0000 7.5000 0.0000 7.4200 5.7500 1.6700 9655722 0.2500 113817.13 0.0800 7.1250 0.0000 6.8750 0.0000 6.7950 5.7500 1.0450 9655728 0.2500 131777.56 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.7500 0.7950 9655740 0.2500 149753.36 0.0800 7.0000 0.0000 6.7500 0.0000 6.6700 5.7500 0.9200 9655744 0.2500 129129.44 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9655748 0.2500 129670.47 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.7500 0.7950 9655752 0.2500 101154.42 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9655754 0.2500 174972.18 0.0800 7.1250 0.0000 6.8750 0.0000 6.7950 5.7500 1.0450 9655762 0.2500 138620.97 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9655770 0.2500 122066.22 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9655774 0.2500 139620.39 0.0800 7.1250 0.0000 6.8750 0.0000 6.7950 5.7500 1.0450 9655800 0.2500 171710.77 0.0800 7.2500 0.0000 7.0000 0.0000 6.9200 5.7500 1.1700 9655824 0.2500 135629.14 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9655828 0.2500 99843.51 0.0800 7.2500 0.0000 7.0000 0.0000 6.9200 5.7500 1.1700 9655836 0.2500 101149.19 0.0800 7.0000 0.0000 6.7500 0.0000 6.6700 5.7500 0.9200 9655864 0.2500 97732.76 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9655866 0.2500 92159.97 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.7500 0.6700 9655868 0.2500 111516.99 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9655872 0.2500 104534.32 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.7500 0.7950 9655876 0.2500 267590.89 0.0800 7.3750 0.0000 7.1250 0.0000 7.0450 5.7500 1.2950 9655892 0.2500 103729.84 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.7500 0.6700 9655906 0.2500 175007.18 0.0800 7.0000 0.0000 6.7500 0.0000 6.6700 5.7500 0.9200 9655910 0.2500 114806.21 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.7500 0.7950 9655926 0.2500 165691.68 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9655944 0.2500 135629.14 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9655954 0.2500 100943.44 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.7500 0.7950 9655960 0.2500 195669.71 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.7500 0.7950 9655964 0.2500 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0.2500 42526.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.7500 0.0450 9909371 0.2500 30900.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.7500 0.0450 9909373 0.2500 296800.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9909411 0.2500 85000.00 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.7500 0.6700 9909415 0.2500 169280.00 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.7500 0.6700 9909425 0.2500 200000.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9909443 0.2500 70000.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.7500 0.0450 9909465 0.2500 65550.00 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.7500 0.7950 9909519 0.2500 131000.00 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.7500 0.5450 9909543 0.2500 72000.00 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.7500 0.5450 9909575 0.2500 112000.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9909577 0.2500 125100.00 0.0800 7.0000 0.0000 6.7500 0.0000 6.6700 5.7500 0.9200 9910279 0.2500 63500.00 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.7500 0.7950 9910297 0.2500 250000.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9910311 0.2500 241200.00 0.0800 7.2500 0.0000 7.0000 0.0000 6.9200 5.7500 1.1700 9910509 0.2500 215000.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9911075 0.2500 72000.00 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.7500 0.5450 9911159 0.2500 96350.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.7500 0.0450 9911173 0.2500 177600.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9911179 0.2500 84000.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9911185 0.2500 90400.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9911279 0.2500 144000.00 0.0800 7.2500 0.0000 7.0000 0.0000 6.9200 5.7500 1.1700 9911287 0.2500 84000.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9911337 0.2500 113300.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9911363 0.2500 235000.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.7500 0.0450 9911383 0.2500 211075.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9911469 0.2500 178500.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9911499 0.2500 123200.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9911575 0.2500 84000.00 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.7500 0.5450 9911783 0.2500 153750.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9911785 0.2500 153750.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9911789 0.2500 153750.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9911807 0.2500 87400.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9911811 0.2500 153750.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9911821 0.2500 47600.00 0.0800 7.2500 0.0000 7.0000 0.0000 6.9200 5.7500 1.1700 9911841 0.2500 203800.00 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.7500 0.6700 9911877 0.2500 76800.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9911885 0.2500 94320.00 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.7500 0.6700 9911943 0.2500 200000.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9911947 0.2500 145000.00 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 9911961 0.2500 167200.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9911975 0.2500 170000.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9911977 0.2500 52720.00 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.7500 0.5450 9911997 0.2500 114375.00 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.7500 0.7950 9911999 0.2500 103000.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9912017 0.2500 114160.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9912029 0.2500 104500.00 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.7500 0.7950 9912039 0.2500 199920.00 0.0300 6.0000 0.0000 5.7500 0.0000 5.7200 5.7200 0.0000 9912041 0.2500 135600.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9912059 0.2500 183750.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9912081 0.2500 74900.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9912107 0.2500 140000.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9912135 0.2500 121000.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9912159 0.2500 201600.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9912179 0.2500 177000.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9912189 0.2500 405000.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9912193 0.2500 115425.00 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.7500 0.6700 9912221 0.2500 137000.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.7500 0.0450 9912231 0.2500 103500.00 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.7500 0.5450 9912243 0.2500 68000.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9912281 0.2500 57100.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9912355 0.2500 124700.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9912359 0.2500 51000.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9912371 0.2500 106000.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9912417 0.2500 107920.00 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.7500 0.5450 9912439 0.2500 124550.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9913563 0.2500 54800.00 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.7500 0.5450 9913571 0.2500 117600.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.7500 0.0450 9913573 0.2500 100000.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9913587 0.2500 292000.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9913619 0.2500 88000.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9913629 0.2500 127300.00 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.7500 0.7950 9913633 0.2500 114375.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9913641 0.2500 132000.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9913651 0.2500 125600.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9913685 0.2500 147510.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9913791 0.2500 126000.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9913793 0.2500 142200.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9913815 0.2500 479600.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9913819 0.2500 136800.00 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.7500 0.5450 9913823 0.2500 108000.00 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.7500 0.6700 9913867 0.2500 153300.00 0.0800 7.1250 0.0000 6.8750 0.0000 6.7950 5.7500 1.0450 9915839 0.2500 62800.00 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.7500 0.7950 9916149 0.2500 165000.00 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.7500 0.5450 9916165 0.2500 240000.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9916173 0.2500 215000.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9916187 0.2500 280000.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9916287 0.2500 140000.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9916339 0.2500 117000.00 0.0800 7.1250 0.0000 6.8750 0.0000 6.7950 5.7500 1.0450 9916355 0.2500 178000.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.7500 0.0450 9916393 0.2500 96000.00 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.7500 0.5450 9916715 0.2500 62500.00 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.7500 0.7950 9917263 0.2500 100000.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9917283 0.2500 162400.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9917289 0.2500 75000.00 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.7500 0.7950 9917401 0.2500 209000.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9917455 0.2500 65625.00 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.7500 0.5450 9917499 0.2500 75000.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9917525 0.2500 250000.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9917535 0.2500 77000.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9917543 0.2500 140000.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9917553 0.2500 96300.00 0.0800 7.0000 0.0000 6.7500 0.0000 6.6700 5.7500 0.9200 Total Number of Loans: 1,529 Total Original Balance: 265,550,676.00 Total Principal Balance: 265,144,242.73 Total Original P+I: 1,650,855.00 Total Current P+I: 1,650,855.00 EXHIBIT TWO SCHEDULE OF DISCOUNT FRACTIONS Schedule of Discount Fractions Loan Number Current Balance Net Mortgage Rate Discount Fraction PO Balance 9629224 $53,176.43 5.720% .5217% $277.44 9654358 $249,213.18 5.470% 4.8696% $12,135.60 9654760 $355,272.30 5.595% 2.6957% $9,576.91 9669034 $181,867.49 5.595% 2.6957% $4,902.51 9669052 $184,612.77 5.470% 4.8696% $8,989.84 9669116 $75,965.76 5.595% 2.6957% $2,047.77 9669120 $399,201.59 5.720% .5217% $2,082.79 9669130 $299,386.76 5.595% 2.6957% $8,070.43 9669140 $407,185.63 5.720% .5217% $2,124.45 9669144 $115,713.94 5.720% .5217% $603.72 9669198 $270,990.54 5.345% 7.0435% $19,087.16 9669200 $326,047.89 5.720% .5217% $1,701.12 9669210 $109,370.59 5.470% 4.8696% $5,325.87 9669214 $99,800.38 5.720% .5217% $520.70 9669224 $95,808.38 5.720% .5217% $499.87 9669246 $217,155.20 5.595% 2.6957% $5,853.75 9669266 $111,771.04 5.595% 2.6957% $3,012.96 9669280 $179,640.70 5.720% .5217% $937.26 9669592 $270,881.95 5.595% 2.6957% $7,302.04 9669622 $154,882.75 5.595% 2.6957% $4,175.10 9714699 $372,000.00 5.595% 2.6957% $10,027.83 9727631 $174,177.81 5.595% 2.6957% $4,695.23 9745649 $383,904.00 5.720% .5217% $2,002.98 9766345 $98,104.81 5.720% .5217% $511.85 9782893 $224,074.67 5.595% 2.6957% $6,040.27 9786285 $279,159.60 5.720% .5217% $1,456.48 9786341 $324,998.00 5.595% 2.6957% $8,760.82 9796321 $235,266.63 5.595% 2.6957% $6,341.97 9799789 $419,706.01 5.595% 2.6957% $11,313.81 9799875 $223,941.30 5.595% 2.6957% $6,036.68 9803477 $250,486.93 5.595% 2.6957% $6,752.26 9808857 $312,000.00 5.595% 2.6957% $8,410.43 9811819 $131,603.79 5.720% .5217% $686.63 9817755 $320,833.51 5.720% .5217% $1,673.91 9818111 $269,461.08 5.720% .5217% $1,405.88 9818967 $98,218.35 5.720% .5217% $512.44 9818969 $181,453.70 5.720% .5217% $946.72 9819611 $199,591.18 5.595% 2.6957% $5,380.28 9822941 $271,457.09 5.720% .5217% $1,416.30 9835921 $336,656.42 5.595% 2.6957% $9,075.09 9836075 $411,815.71 5.595% 2.6957% $11,101.12 9836189 $334,067.10 5.720% .5217% $1,742.96 9837405 $356,270.26 5.595% 2.6957% $9,603.81 9839459 $225,150.00 5.595% 2.6957% $6,069.26 9839537 $287,411.30 5.595% 2.6957% $7,747.61 9846479 $998,980.45 5.595% 2.6957% $26,929.04 9859949 $414,586.87 5.720% .5217% $2,163.06 9866529 $239,755.31 5.595% 2.6957% $6,462.97 9866819 $173,327.28 5.720% .5217% $904.32 9867025 $98,099.88 5.595% 2.6957% $2,644.43 9868071 $207,792.93 5.720% .5217% $1,084.14 9869417 $649,321.36 5.470% 4.8696% $31,619.13 9869505 $228,000.00 5.720% .5217% $1,189.57 9869787 $185,992.72 5.720% .5217% $970.40 9869845 $397,993.81 5.595% 2.6957% $10,728.53 9872441 $551,449.48 5.720% .5217% $2,877.13 9873413 $659,310.92 5.470% 4.8696% $32,105.58 9873485 $175,000.00 5.345% 7.0435% $12,326.09 9873769 $111,039.35 5.720% .5217% $579.34 9873779 $188,000.00 5.720% .5217% $980.87 9873789 $115,300.00 5.720% .5217% $601.57 9874039 $99,898.04 5.595% 2.6957% $2,692.90 9875745 $511,490.30 5.720% .5217% $2,668.65 9876153 $62,935.77 5.595% 2.6957% $1,696.53 9876951 $137,166.31 5.720% .5217% $715.65 9877271 $95,055.30 5.595% 2.6957% $2,562.36 9877999 $127,400.00 5.595% 2.6957% $3,434.26 9878847 $499,490.23 5.595% 2.6957% $13,464.52 9881589 $239,200.00 5.720% .5217% $1,248.00 9882511 $592,500.00 5.595% 2.6957% $15,971.74 9882623 $251,200.00 5.595% 2.6957% $6,771.48 9885303 $70,500.00 5.470% 4.8696% $3,433.04 9885307 $73,000.00 5.470% 4.8696% $3,554.78 9885311 $70,500.00 5.470% 4.8696% $3,433.04 9885383 $78,500.00 5.720% .5217% $409.57 9885387 $169,000.00 5.720% .5217% $881.74 9885595 $97,300.00 5.720% .5217% $507.65 9885597 $91,000.00 5.720% .5217% $474.78 9885631 $496,000.00 5.720% .5217% $2,587.83 9885673 $285,400.00 5.720% .5217% $1,489.04 9885749 $383,600.00 5.720% .5217% $2,001.39 9886245 $175,820.56 5.595% 2.6957% $4,739.51 9886401 $311,689.40 5.720% .5217% $1,626.21 9888683 $188,000.00 5.595% 2.6957% $5,067.83 9889287 $51,200.00 5.595% 2.6957% $1,380.17 9889999 $250,000.00 5.720% .5217% $1,304.35 9890079 $237,800.00 5.720% .5217% $1,240.70 9890085 $321,650.00 5.720% .5217% $1,678.17 9891237 $164,000.00 5.595% 2.6957% $4,420.87 9891261 $196,000.00 5.720% .5217% $1,022.61 9891359 $85,000.00 5.720% .5217% $443.48 9891441 $189,000.00 5.720% .5217% $986.09 9891665 $260,440.63 5.345% 7.0435% $18,344.08 9891673 $110,750.00 5.470% 4.8696% $5,393.04 9891679 $640,214.83 5.345% 7.0435% $45,093.39 9891689 $234,000.00 5.345% 7.0435% $16,481.74 9891691 $480,000.00 5.720% .5217% $2,504.35 9891713 $142,854.20 5.595% 2.6957% $3,850.85 9891715 $431,095.76 5.470% 4.8696% $20,992.49 9891745 $184,802.22 5.345% 7.0435% $13,016.50 9891747 $220,913.57 5.345% 7.0435% $15,560.00 9892265 $200,000.00 5.595% 2.6957% $5,391.30 9893125 $184,400.00 5.720% .5217% $962.09 9893491 $197,595.28 5.595% 2.6957% $5,326.48 9893499 $219,675.70 5.595% 2.6957% $5,921.69 9893511 $399,142.72 5.345% 7.0435% $28,113.53 9893523 $739,231.74 5.470% 4.8696% $35,997.37 9893525 $132,694.47 5.720% .5217% $692.32 9893541 $729,273.28 5.720% .5217% $3,804.90 9893543 $648,606.96 5.345% 7.0435% $45,684.49 9893547 $130,663.23 5.470% 4.8696% $6,362.73 9893553 $455,950.83 5.720% .5217% $2,378.87 9893559 $483,984.83 5.470% 4.8696% $23,567.96 9893561 $998,980.45 5.595% 2.6957% $26,929.04 9893573 $127,427.96 5.470% 4.8696% $6,205.19 9893965 $225,000.00 5.720% .5217% $1,173.91 9894395 $316,000.00 5.720% .5217% $1,648.70 9894423 $271,000.00 5.595% 2.6957% $7,305.22 9895063 $148,000.00 5.720% .5217% $772.17 9896353 $300,000.00 5.470% 4.8696% $14,608.70 9896361 $450,000.00 5.220% 9.2174% $41,478.26 9896369 $309,000.00 5.595% 2.6957% $8,329.57 9897097 $435,000.00 5.720% .5217% $2,269.57 9897769 $150,400.00 5.595% 2.6957% $4,054.26 9898787 $279,000.00 5.595% 2.6957% $7,520.87 9901791 $264,000.00 5.595% 2.6957% $7,116.52 9901901 $62,900.00 5.595% 2.6957% $1,695.57 9901909 $65,700.00 5.595% 2.6957% $1,771.04 9901959 $67,500.00 5.595% 2.6957% $1,819.57 9907663 $135,000.00 5.720% .5217% $704.35 9911947 $145,000.00 5.595% 2.6957% $3,908.70 9912039 $199,920.00 5.720% .5217% $1,043.06 EXHIBIT THREE INFORMATION TO BE INCLUDED IN MONTHLY DISTRIBUTION DATE STATEMENT (i) (a) the amount of such distribution to the Certificateholders of such Class applied to reduce the Certificate Principal Balance thereof, and (b) the aggregate amount included therein representing Principal Prepayments; (ii) the amount of such distribution to Holders of such Class of Certificates allocable to interest; (iii) if the distribution to the Holders of such Class of Certificates is less than the full amount that would be distributable to such Holders if there were sufficient funds available therefor, the amount of the shortfall; (iv) the amount of any Advance by the Master Servicer pursuant to Section 4.04; (v) the number and Pool Stated Principal Balance of the Mortgage Loans after giving effect to the distribution of principal on such Distribution Date; (vi) the aggregate Certificate Principal Balance of each Class of Certificates and each of the Senior Percentage and Subordinate Class Percentage, after giving effect to the amounts distributed on such Distribution Date, separately identifying any reduction thereof due to Realized Losses other than pursuant to an actual distribution of principal; (vii) the related Subordinate Principal Distribution Amount and Prepayment Distribution Percentage, if applicable; (viii) on the basis of the most recent reports furnished to it by Sub-Servicers, (a) the number and aggregate principal balances of Mortgage Loans that are Delinquent (1) 30-59 days, (2) 60-89 days and (3) 90 or more days and the number and aggregate principal balance of Mortgage Loans that are in foreclosure, (b) the number and aggregate principal balances of Reportable Modified Mortgage Loans that are Delinquent (1) 30-59 days, (2) 60-89 days and (3) 90 or more days and the number and aggregate principal balance of Reportable Modified Mortgage Loans that are in foreclosure and are REO Property, indicating in each case capitalized Mortgage Loans, other Servicing Modifications and totals, and (c) for all Reportable Modified Mortgage Loans, the number and aggregate Stated Principal Balance of Reportable Modified Mortgage Loans that have been liquidated, the subject of pay-offs and that have been repurchased by the Master Servicer or Seller; (ix) the number, aggregate principal balance and book value of any REO Properties; (x) the aggregate Accrued Certificate Interest remaining unpaid, if any, for each Class of Certificates, after giving effect to the distribution made on such Distribution Date; (xi) the Special Hazard Amount, Fraud Loss Amount and Bankruptcy Amount as of the close of business on such Distribution Date and a description of any change in the calculation of such amounts; (xii) the weighted average Pool Strip Rate for such Distribution Date and the Pass-Through Rate with respect to the Class A-V Certificates and each Subclass, if any, thereof; (xiii) the Pass-Through Rates on the Floater Certificates and Inverse Floater Certificates for such Distribution Date, separately identifying LIBOR for such Distribution Date; (xiv) the Notional Amount with respect to each class of Interest Only Certificates and each Subclass Notional Amount; (xv) the occurrence of the Credit Support Depletion Date; (xvi) the related Senior Accelerated Distribution Percentage applicable to such distribution; (xvii) the related Senior Percentage for such Distribution Date; (xviii)the aggregate amount of Realized Losses for such Distribution Date; (xix) the aggregate amount of any recoveries on previously foreclosed loans from Sellers due to a breach of a representation or warranty assigned to the Trustee pursuant to Section 2.04; (xx) the weighted average remaining term to maturity of the Mortgage Loans after giving effect to the amounts distributed on such Distribution Date; and (xxi) the weighted average Mortgage Rates of the Mortgage Loans after giving effect to the amounts distributed on such Distribution Date. In the case of information furnished pursuant to clauses (i) and (ii) above, the amounts shall be expressed as a dollar amount per Certificate with a $1,000 denomination. The Trustee's internet website, and assistance in using the website, can be obtained by calling the Trustee's Shareholder Relations desk at (800) 735-7777. To receive this statement via first class mail, telephone the Trustee at (800) 735-7777. EXHIBIT FOUR STANDARD TERMS OF POOLING AND SERVICING AGREEMENT DATED AS OF AUGUST 1, 2004 =============================================================================== STANDARD TERMS OF POOLING AND SERVICING AGREEMENT Dated as of August 1, 2004 Residential Accredit Loans, Inc. Mortgage Asset-Backed Pass-Through Certificates ===============================================================================
TABLE OF CONTENTS PAGE -ii- Article I DEFINITIONS...............................................................2 Section 1.01. Definitions...........................................................2 Section 1.02. Use of Words and Phrases.............................................32 Article II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES..........33 Section 2.01. Conveyance of Mortgage Loans.........................................33 Section 2.02. Acceptance by Trustee................................................39 Section 2.03. Representations, Warranties and Covenants of the Master Servicer and the Company.............................................................40 Section 2.04. Representations and Warranties of Sellers............................42 Section 2.05. Execution and Authentication of Certificates/Issuance of Certificates Evidencing Interests in REMIC I Certificates...................44 Section 2.06. Conveyance of Uncertificated REMIC I and REMIC II Regular Interests; Acceptance by the Trustee........................................44 Section 2.07. Issuance of Certificates Evidencing Interests in REMIC II............44 Section 2.08. Purposes and Powers of the Trust.....................................44 Article III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS...........................45 Section 3.01. Master Servicer to Act as Servicer...................................45 Section 3.02. Subservicing Agreements Between Master Servicer and Subservicers; Enforcement of Subservicers' and Sellers' Obligations.........46 Section 3.03. Successor Subservicers...............................................47 Section 3.04. Liability of the Master Servicer.....................................48 Section 3.05. No Contractual Relationship Between Subservicer and Trustee or Certificateholders..........................................................48 Section 3.06. Assumption or Termination of Subservicing Agreements by Trustee........ 48 Section 3.07. Collection of Certain Mortgage Loan Payments; Deposits to Custodial Account...........................................................49 Section 3.08. Subservicing Accounts; Servicing Accounts............................51 Section 3.09. Access to Certain Documentation and Information Regarding the Mortgage Loans..............................................................53 Section 3.10. Permitted Withdrawals from the Custodial Account.....................53 i Section 3.11. Maintenance of the Primary Insurance Policies; Collections Thereunder..................................................................55 Section 3.12. Maintenance of Fire Insurance and Omissions and Fidelity Coverage....................................................................56 Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and Modification Agreements; Certain Assignments................................57 Section 3.14. Realization Upon Defaulted Mortgage Loans............................59 Section 3.15. Trustee to Cooperate; Release of Mortgage Files......................63 Section 3.16. Servicing and Other Compensation; Compensating Interest..............64 Section 3.17. Reports to the Trustee and the Company...............................65 Section 3.18. Annual Statement as to Compliance....................................65 Section 3.19. Annual Independent Public Accountants' Servicing Report..............66 Section 3.20. Rights of the Company in Respect of the Master Servicer..............66 Section 3.21. Administration of Buydown Funds......................................67 Section 3.22 Advance Facility.....................................................67 Article IV PAYMENTS TO CERTIFICATEHOLDERS...........................................68 Section 4.01. Certificate Account..................................................68 Section 4.02. Distributions........................................................68 Section 4.03. Statements to Certificateholders; Statements to Rating Agencies; Exchange Act Reporting............................................68 Section 4.04. Distribution of Reports to the Trustee and the Company; Advances by the Master Servicer.............................................70 Section 4.05. Allocation of Realized Losses........................................72 Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property........72 Section 4.07. Optional Purchase of Defaulted Mortgage Loans........................72 Section 4.08. Surety Bond..........................................................72 Article V THE CERTIFICATES.........................................................74 Section 5.01. The Certificates.....................................................74 Section 5.02. Registration of Transfer and Exchange of Certificates................76 Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates....................81 Section 5.04. Persons Deemed Owners................................................82 ii Section 5.05. Appointment of Paying Agent..........................................82 Section 5.06. U.S.A. Patriot Act Compliance........................................82 Article VI THE COMPANY AND THE MASTER SERVICER......................................83 Section 6.01. Respective Liabilities of the Company and the Master Servicer........83 Section 6.02. Merger or Consolidation of the Company or the Master Servicer; Assignment of Rights and Delegation of Duties by Master Servicer............83 Section 6.03. Limitation on Liability of the Company, the Master Servicer and Others.................................................................... 84 Section 6.04. Company and Master Servicer Not to Resign............................85 Article VII DEFAULT..................................................................86 Section 7.01. Events of Default....................................................86 Section 7.02. Trustee or Company to Act; Appointment of Successor..................88 Section 7.03. Notification to Certificateholders...................................89 Section 7.04. Waiver of Events of Default..........................................89 Article VIII CONCERNING THE TRUSTEE...................................................90 Section 8.01. Duties of Trustee....................................................90 Section 8.02. Certain Matters Affecting the Trustee................................91 Section 8.03. Trustee Not Liable for Certificates or Mortgage Loans................93 Section 8.04. Trustee May Own Certificates.........................................93 Section 8.05. Master Servicer to Pay Trustee's Fees and Expenses; Indemnification.............................................................93 Section 8.06. Eligibility Requirements for Trustee.................................94 Section 8.07. Resignation and Removal of the Trustee...............................95 Section 8.08. Successor Trustee....................................................95 Section 8.09. Merger or Consolidation of Trustee...................................96 Section 8.10. Appointment of Co-Trustee or Separate Trustee........................96 Section 8.11. Appointment of Custodians............................................97 Section 8.12. Appointment of Office or Agency......................................98 Article IX TERMINATION OR OPTIONAL PURCHASE OF ALL CERTIFICATES.....................99 Section 9.01. Optional Purchase by the Master Servicer of All Certificates; Termination Upon Purchase by the Master Servicer or Liquidation of All Mortgage Loans..............................................................99 iii Section 9.02. Additional Termination Requirements.................................102 Section 9.03. Termination of Multiple REMICs......................................103 Article X REMIC PROVISIONS........................................................104 Section 10.01.REMIC Administration................................................104 Section 10.02.Master Servicer, REMIC Administrator and Trustee Indemnification....107 Section 10.03.Designation of REMIC(s).............................................108 Article XI MISCELLANEOUS PROVISIONS................................................109 Section 11.01.Amendment...........................................................109 Section 11.02.Recordation of Agreement; Counterparts..............................111 Section 11.03.Limitation on Rights of Certificateholders..........................112 Section 11.04.Governing Law.......................................................112 Section 11.05.Notices.............................................................113 Section 11.06.Required Notices to Rating Agency and Subservicer...................114 Section 11.07.Severability of Provisions..........................................114 Section 11.08.Supplemental Provisions for Resecuritization........................114 Section 11.09.Allocation of Voting Rights.........................................114 Section 11.10.No Petition.........................................................114 iv EXHIBITS Exhibit A: Form of Class A Certificate Exhibit B: Form of Class M Certificate Exhibit C: Form of Class B Certificate Exhibit D: Form of Class R Certificate Exhibit E: Form of Seller/Servicer Contract Exhibit F: Forms of Request for Release Exhibit G-1: Form of Transfer Affidavit and Agreement Exhibit G-2: Form of Transferor Certificate Exhibit H: Form of Investor Representation Letter Exhibit I: Form of Transferor Representation Letter Exhibit J: Form of Rule 144A Investment Representation Letter Exhibit K: Text of Amendment to Pooling and Servicing Agreement Pursuant to Section 11.01(e) for a Limited Guaranty Exhibit L: Form of Limited Guaranty Exhibit M: Form of Lender Certification for Assignment of Mortgage Loan Exhibit N: Request for Exchange Form Exhibit O: Form of Form 10-K Certification Exhibit P: Form of Back-Up Certification to Form 10-K Certificate Exhibit Q: Information to be Provided by the Master Servicer to the Rating Agencies Relating to Reportable Modified Mortgage Loans
v This is the Standard Terms of Pooling and Servicing Agreement, dated as of August 1, 2004 (the "Standard Terms", and as incorporated by reference into a Series Supplement dated as of the Cut-off Date, the "Pooling and Servicing Agreement" or "Agreement"), among RESIDENTIAL ACCREDIT LOANS, INC., as the company (together with its permitted successors and assigns, the "Company"), RESIDENTIAL FUNDING CORPORATION, as master servicer (together with its permitted successors and assigns, the "Master Servicer"), and the trustee named in the applicable Series Supplement (together with its permitted successors and assigns, the "Trustee"). PRELIMINARY STATEMENT: The Company intends to sell certain mortgage asset-backed pass-through certificates (collectively, the "Certificates"), to be issued under the Agreement in multiple classes, which in the aggregate will evidence the entire beneficial ownership interest in the Mortgage Loans. In consideration of the mutual agreements herein contained, the Company, the Master Servicer and the Trustee agree as follows: 1 ARTICLE I DEFINITIONS Section 1.01. Definitions. Whenever used in this Agreement, the following words and phrases, unless the context otherwise requires, shall have the meanings specified in this Article. Accretion Termination Date: As defined in the Series Supplement. Accrual Certificates: As defined in the Series Supplement. Accrued Certificate Interest: With respect to each Distribution Date, as to any Class or Subclass of Certificates (other than any Principal Only Certificates), interest accrued during the related Interest Accrual Period at the related Pass-Through Rate on the Certificate Principal Balance or Notional Amount thereof immediately prior to such Distribution Date. Accrued Certificate Interest will be calculated on the basis of a 360-day year, consisting of twelve 30-day months. In each case Accrued Certificate Interest on any Class or Subclass of Certificates will be reduced by the amount of: (i) Prepayment Interest Shortfalls on all Mortgage Loans or, if the Mortgage Pool is comprised of two or more Loan Groups, on the Mortgage Loans in the related Loan Group (to the extent not offset by the Master Servicer with a payment of Compensating Interest as provided in Section 4.01), (ii) the interest portion (adjusted to the Net Mortgage Rate (or the Modified Net Mortgage Rate in the case of a Modified Mortgage Loan)) of Realized Losses on all Mortgage Loans or, if the Mortgage Pool is comprised of two or more Loan Groups, on the Mortgage Loans in the related Loan Group (including Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses and Extraordinary Losses) not allocated solely to one or more specific Classes of Certificates pursuant to Section 4.05, (iii) the interest portion of Advances that were (A) previously made with respect to a Mortgage Loan or REO Property on all Mortgage Loans or, if the Mortgage Pool is comprised of two or more Loan Groups, on the Mortgage Loans in the related Loan Group, which remained unreimbursed following the Cash Liquidation or REO Disposition of such Mortgage Loan or REO Property and (B) made with respect to delinquencies that were ultimately determined to be Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses or Extraordinary Losses, and (iv) any other interest shortfalls not covered by the subordination provided by the Class M Certificates and Class B Certificates, including interest that is not collectible from the Mortgagor pursuant to the Servicemembers Civil Relief Act of 1940, as amended, or similar legislation or regulations as in effect from time to time, 2 with all such reductions allocated (A) among all of the Certificates in proportion to their respective amounts of Accrued Certificate Interest payable on such Distribution Date absent such reductions or (B) if the Mortgage Pool is comprised of two or more Loan Groups, the related Senior Percentage of such reductions among the related Senior Certificates in proportion to the amounts of Accrued Certificate Interest payable from the related Loan Group on such Distribution Date absent such reductions, with the remainder of such reductions allocated among the holders of the Class M Certificates and Class B Certificates in proportion to their respective amounts of Accrued Certificate Interest payable on such Distribution Date absent such reductions. In addition to that portion of the reductions described in the preceding sentence that are allocated to any Class of Class B Certificates or any Class of Class M Certificates, Accrued Certificate Interest on such Class of Class B Certificates or such Class of Class M Certificates will be reduced by the interest portion (adjusted to the Net Mortgage Rate) of Realized Losses that are allocated solely to such Class of Class B Certificates or such Class of Class M Certificates pursuant to Section 4.05. Addendum and Assignment Agreement: The Addendum and Assignment Agreement, dated as of January 31, 1995, between MLCC and the Master Servicer. Additional Collateral: Any of the following held, in addition to the related Mortgaged Property, as security for a Mortgage Loan: (i) all money, securities, security entitlements, accounts, general intangibles, payment rights, instruments, documents, deposit accounts, certificates of deposit, commodities contracts and other investment property and other property of whatever kind or description now existing or hereafter acquired which is pledged as security for the repayment of such Mortgage Loan, (ii) third-party guarantees, and (A) all money, securities, security entitlements, accounts, general intangibles, payment rights, instruments, documents, deposit accounts, certificates of deposit, commodities contracts and other investment property and other property of whatever kind or description now existing or hereafter acquired which is pledged as collateral for such guarantee or (B) any mortgaged property securing the performance of such guarantee, or (iii) such other collateral as may be set forth in the Series Supplement. Additional Collateral Loan: Each Mortgage Loan that is supported by Additional Collateral. Adjusted Mortgage Rate: With respect to any Mortgage Loan and any date of determination, the Mortgage Rate borne by the related Mortgage Note, less the rate at which the related Subservicing Fee accrues. Advance: As to any Mortgage Loan, any advance made by the Master Servicer, pursuant to Section 4.04. Advance Facility: As defined in Section 3.22. Advance Facility Notice: As defined in Section 3.22. Advance Facility Trustee: As defined in Section 3.22. Advancing Person: As defined in Section 3.22. 3 Advance Reimbursement Amounts: As defined in Section 3.22. Affiliate: With respect to any Person, any other Person controlling, controlled by or under common control with such first Person. For the purposes of this definition, "control" means the power to direct the management and policies of such Person, directly or indirectly, whether through the ownership of voting securities, by contract or otherwise; and the terms "controlling" and "controlled" have meanings correlative to the foregoing. Ambac: Ambac Assurance Corporation (formerly known as AMBAC Indemnity Corporation). Amount Held for Future Distribution: As to any Distribution Date and, with respect to any Mortgage Pool that is comprised of two or more Loan Groups, each Loan Group, the total of the amounts held in the Custodial Account at the close of business on the preceding Determination Date on account of (i) Liquidation Proceeds, Subsequent Recoveries, Insurance Proceeds, Curtailments, Mortgage Loan purchases made pursuant to Section 2.02, 2.03, 2.04 or 4.07 and Mortgage Loan substitutions made pursuant to Section 2.03 or 2.04 received or made in the month of such Distribution Date (other than such Liquidation Proceeds, Insurance Proceeds and purchases of Mortgage Loans that the Master Servicer has deemed to have been received in the preceding month in accordance with Section 3.07(b)), and Principal Prepayments in Full made after the related Prepayment Period, and (ii) payments which represent early receipt of scheduled payments of principal and interest due on a date or dates subsequent to the related Due Date. Appraised Value: As to any Mortgaged Property, the lesser of (i) the appraised value of such Mortgaged Property based upon the appraisal made at the time of the origination of the related Mortgage Loan, and (ii) the sales price of the Mortgaged Property at such time of origination, except in the case of a Mortgaged Property securing a refinanced or modified Mortgage Loan as to which it is either the appraised value determined above or the appraised value determined in an appraisal at the time of refinancing or modification, as the case may be. Assigned Contracts: With respect to any Pledged Asset Loan: the Credit Support Pledge Agreement; the Funding and Pledge Agreement, among GMAC Mortgage Corporation, National Financial Services Corporation and the Mortgagor or other person pledging the related Pledged Assets; the Additional Collateral Agreement, between GMAC Mortgage Corporation and the Mortgagor or other person pledging the related Pledged Assets; or such other contracts as may be set forth in the Series Supplement. Assignment: An assignment of the Mortgage, notice of transfer or equivalent instrument, in recordable form, sufficient under the laws of the jurisdiction wherein the related Mortgaged Property is located to reflect of record the sale of the Mortgage Loan to the Trustee for the benefit of Certificateholders, which assignment, notice of transfer or equivalent instrument may be in the form of one or more blanket assignments covering Mortgages secured by Mortgaged Properties located in the same county, if permitted by law and accompanied by an Opinion of Counsel to that effect. 4 Assignment Agreement: The Assignment and Assumption Agreement, dated the Closing Date, between Residential Funding and the Company relating to the transfer and assignment of the Mortgage Loans. Assignment of Proprietary Lease: With respect to a Cooperative Loan, the assignment of the related Cooperative Lease from the Mortgagor to the originator of the Cooperative Loan. Available Distribution Amount: As to any Distribution Date and, with respect to any Mortgage Pool comprised of two or more Loan Groups, each Loan Group, an amount equal to (a) the sum of (i) the amount relating to the Mortgage Loans on deposit in the Custodial Account as of the close of business on the immediately preceding Determination Date, including any Subsequent Recoveries, and amounts deposited in the Custodial Account in connection with the substitution of Qualified Substitute Mortgage Loans, (ii) the amount of any Advance made on the immediately preceding Certificate Account Deposit Date, (iii) any amount deposited in the Certificate Account on the related Certificate Account Deposit Date pursuant to the second paragraph of Section 3.12(a), (iv) any amount deposited in the Certificate Account pursuant to Section 4.07, (v) any amount that the Master Servicer is not permitted to withdraw from the Custodial Account or the Certificate Account pursuant to Section 3.16(e), (vi) any amount received by the Trustee pursuant to the Surety Bond in respect of such Distribution Date and (vii) the proceeds of any Pledged Assets received by the Master Servicer, reduced by (b) the sum as of the close of business on the immediately preceding Determination Date of (w) aggregate Foreclosure Profits, (x) the Amount Held for Future Distribution, and (y) amounts permitted to be withdrawn by the Master Servicer from the Custodial Account in respect of the Mortgage Loans pursuant to clauses (ii)-(x), inclusive, of Section 3.10(a). Such amount shall be determined separately for each Loan Group. Additionally, with respect to any Mortgage Pool that is comprised of two or more Loan Groups, if on any Distribution Date Compensating Interest provided pursuant to this Section 3.16(e) is less than Prepayment Interest Shortfalls incurred on the Mortgage Loans in connection with Principal Prepayments in Full and Curtailments made in the prior calendar month, such Compensating Interest shall be allocated on such Distribution Date to the Available Distribution Amount for each Loan Group on a pro rata basis in accordance with the respective amounts of such Prepayment Interest Shortfalls incurred on the Mortgage Loans in such Loan Group in respect of such Distribution Date. Bankruptcy Code: The Bankruptcy Code of 1978, as amended. Bankruptcy Loss: With respect to any Mortgage Loan, a Deficient Valuation or Debt Service Reduction; provided, however, that neither a Deficient Valuation nor a Debt Service Reduction shall be deemed a Bankruptcy Loss hereunder so long as the Master Servicer has notified the Trustee in writing that the Master Servicer is diligently pursuing any remedies that may exist in connection with the representations and warranties made regarding the related Mortgage Loan and either (A) the related Mortgage Loan is not in default with regard to payments due thereunder or (B) delinquent payments of principal and interest under the related Mortgage Loan and any premiums on any applicable primary hazard insurance policy and any related escrow payments in respect of such Mortgage Loan are being advanced on a current basis by the Master Servicer or a Subservicer, in either case without giving effect to any Debt Service Reduction. 5 Book-Entry Certificate: Any Certificate registered in the name of the Depository or its nominee, and designated as such in the Preliminary Statement to the Series Supplement. Business Day: Any day other than (i) a Saturday or a Sunday or (ii) a day on which banking institutions in the State of New York, the State of Michigan, the State of California or the State of Illinois (and such other state or states in which the Custodial Account or the Certificate Account are at the time located) are required or authorized by law or executive order to be closed. Buydown Funds: Any amount contributed by the seller of a Mortgaged Property, the Company or other source in order to enable the Mortgagor to reduce the payments required to be made from the Mortgagor's funds in the early years of a Mortgage Loan. Buydown Funds are not part of the Trust Fund prior to deposit into the Custodial or Certificate Account. Buydown Mortgage Loan: Any Mortgage Loan as to which a specified amount of interest is paid out of related Buydown Funds in accordance with a related buydown agreement. Capitalization Reimbursement Amount: With respect to any Distribution Date and, with respect to any Mortgage Pool comprised of two or more Loan Groups, each Loan Group, the amount of Advances or Servicing Advances that were added to the Stated Principal Balance of all Mortgage Loans or, if the Mortgage Pool is comprised of two or more Loan Groups, on the Mortgage Loans in the related Loan Group, during the prior calendar month and reimbursed to the Master Servicer or Subservicer on or prior to such Distribution Date pursuant to Section 3.10(a)(vii), plus the Capitalization Reimbursement Shortfall Amount remaining unreimbursed from any prior Distribution Date and reimbursed to the Master Servicer or Subservicer on or prior to such Distribution Date. Capitalization Reimbursement Shortfall Amount: With respect to any Distribution Date and, with respect to any Mortgage Pool comprised of two or more Loan Groups, each Loan Group, the amount, if any, by which the amount of Advances or Servicing Advances that were added to the Stated Principal Balance of all Mortgage Loans (or, if the Mortgage Pool is comprised of two or more Loan Groups, on the Mortgage Loans in the related Loan Group) during the preceding calendar month exceeds the amount of principal payments on the Mortgage Loans included in the Available Distribution Amount (or, if the Mortgage Pool is comprised of two or more Loan Groups, Available Distribution Amount for the related Loan Group) for that Distribution Date. Cash Liquidation: As to any defaulted Mortgage Loan other than a Mortgage Loan as to which an REO Acquisition occurred, a determination by the Master Servicer that it has received all Insurance Proceeds, Liquidation Proceeds and other payments or cash recoveries which the Master Servicer reasonably and in good faith expects to be finally recoverable with respect to such Mortgage Loan. Certificate Account Deposit Date: As to any Distribution Date, the Business Day prior thereto. Certificateholder or Holder: The Person in whose name a Certificate is registered in the Certificate Register, and, in respect of any Insured Certificates, the Certificate Insurer to the extent of Cumulative Insurance 6 Payments, except that neither a Disqualified Organization nor a Non-United States Person shall be a holder of a Class R Certificate for purposes hereof and, solely for the purpose of giving any consent or direction pursuant to this Agreement, any Certificate, other than a Class R Certificate, registered in the name of the Company, the Master Servicer or any Subservicer or any Affiliate thereof shall be deemed not to be outstanding and the Percentage Interest or Voting Rights evidenced thereby shall not be taken into account in determining whether the requisite amount of Percentage Interests or Voting Rights necessary to effect any such consent or direction has been obtained. All references herein to "Holders" or "Certificateholders" shall reflect the rights of Certificate Owners as they may indirectly exercise such rights through the Depository and participating members thereof, except as otherwise specified herein; provided, however, that the Trustee shall be required to recognize as a "Holder" or "Certificateholder" only the Person in whose name a Certificate is registered in the Certificate Register. Certificate Insurer: As defined in the Series Supplement. Certificate Owner: With respect to a Book-Entry Certificate, the Person who is the beneficial owner of such Certificate, as reflected on the books of an indirect participating brokerage firm for which a Depository Participant acts as agent, if any, and otherwise on the books of a Depository Participant, if any, and otherwise on the books of the Depository. Certificate Principal Balance: With respect to each Certificate (other than any Interest Only Certificate), on any date of determination, an amount equal to: (i) the Initial Certificate Principal Balance of such Certificate as specified on the face thereof, plus (ii) any Subsequent Recoveries added to the Certificate Principal Balance of such Certificate pursuant to Section 4.02, plus (iii) in the case of each Accrual Certificate, an amount equal to the aggregate Accrued Certificate Interest added to the Certificate Principal Balance thereof prior to such date of determination, minus (iv) the sum of (x) the aggregate of all amounts previously distributed with respect to such Certificate (or any predecessor Certificate) and applied to reduce the Certificate Principal Balance thereof pursuant to Section 4.02(a) and (y) the aggregate of all reductions in Certificate Principal Balance deemed to have occurred in connection with Realized Losses which were previously allocated to such Certificate (or any predecessor Certificate) pursuant to Section 4.05; provided, that the Certificate Principal Balance of each Certificate of the Class of Subordinate Certificates with the Lowest Priority at any given time shall be further reduced by an amount equal to the Percentage Interest represented by such Certificate multiplied by the excess, if any, of (A) the then aggregate Certificate Principal Balance of all Classes of Certificates then outstanding over (B) the then aggregate Stated Principal Balance of the Mortgage Loans. 7 Certificate Register and Certificate Registrar: The register maintained and the registrar appointed pursuant to Section 5.02. Class: Collectively, all of the Certificates bearing the same designation. The initial Class A-V Certificates and any Subclass thereof issued pursuant to Section 5.01(c) shall be a single Class for purposes of this Agreement. Class A-P Certificate: Any one of the Certificates designated as a Class A-P Certificate. Class A-P Collection Shortfall: With respect to the Cash Liquidation or REO Disposition of a Discount Mortgage Loan, any Distribution Date and, with respect to any Mortgage Pool comprised of two or more Loan Groups, each Loan Group, the excess of the amount described in clause (C)(1) of the definition of Class A-P Principal Distribution Amount (for the related Loan Group, if applicable) over the amount described in clause (C)(2) of such definition. Class A-P Principal Distribution Amount: With respect to any Distribution Date and, with respect to any Mortgage Pool comprised of two or more Loan Groups, each Loan Group, an amount equal to the aggregate of: (A) the related Discount Fraction of the principal portion of each Monthly Payment on each Discount Mortgage Loan (or, with respect to any Mortgage Pool comprised of two or more Loan Groups, each Discount Mortgage Loan in the related Loan Group) due during the related Due Period, whether or not received on or prior to the related Determination Date, minus the Discount Fraction of the principal portion of any related Debt Service Reduction which together with other Bankruptcy Losses exceeds the Bankruptcy Amount; (B) the related Discount Fraction of the principal portion of all unscheduled collections on each Discount Mortgage Loan (or, with respect to any Mortgage Pool comprised of two or more Loan Groups, each Discount Mortgage Loan in the related Loan Group) received during the preceding calendar month or, in the case of Principal Prepayments in Full, during the related Prepayment Period (other than amounts received in connection with a Cash Liquidation or REO Disposition of a Discount Mortgage Loan described in clause (C) below), including Principal Prepayments in Full, Curtailments, Subsequent Recoveries and repurchases (including deemed repurchases under Section 3.07(b)) of such Discount Mortgage Loans (or, in the case of a substitution of a Deleted Mortgage Loan, the Discount Fraction of the amount of any shortfall deposited in the Custodial Account in connection with such substitution); (C) in connection with the Cash Liquidation or REO Disposition of a Discount Mortgage Loan (or, with respect to any Mortgage Pool comprised of two or more Loan Groups, each Discount Mortgage Loan in the related Loan Group) that occurred during the preceding calendar month (or was deemed to have occurred during such period in accordance with Section 3.07(b)) that did not result in any Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses or Extraordinary Losses, an amount equal to the lesser of (1) the applicable Discount Fraction of the Stated Principal Balance of such Discount Mortgage Loan immediately prior to such Distribution Date and (2) the aggregate amount of the collections on such Mortgage Loan to the extent applied as recoveries of principal; 8 (D) any amounts allocable to principal for any previous Distribution Date (calculated pursuant to clauses (A) through (C) above) that remain undistributed; and (E) the amount of any Class A-P Collection Shortfalls for such Distribution Date and the related Loan Group, if applicable, and the amount of any Class A-P Collection Shortfalls (for the related Loan Group, if applicable) remaining unpaid for all previous Distribution Dates, but only to the extent of the Eligible Funds for such Distribution Date; minus (F) the related Discount Fraction of the portion of the Capitalization Reimbursement Amount (for the related Loan Group, if applicable) for such Distribution Date, if any, related to each Discount Mortgage Loan (in the related Loan Group, if applicable). Notwithstanding the foregoing, with respect to any Distribution Date on and after the Credit Support Depletion Date, the Class A-P Principal Distribution Amount (for a Loan Group, if applicable) shall equal the excess of (i) the sum of (a) the related Discount Fraction of the principal portion of each Monthly Payment on each Discount Mortgage Loan (in the related Loan Group, if applicable) received or advanced prior to the related Determination Date and not previously distributed minus the Discount Fraction of the principal portion of any related Debt Service Reduction which together with other Bankruptcy Losses exceeds the Bankruptcy Amount and (b) the related Discount Fraction of the aggregate amount of unscheduled collections described in clauses (B) and (C) above over (ii) the amount calculated pursuant to clause (F) above. Class A-V Certificate: Any one of the Certificates designated as a Class A-V Certificate, including any Subclass thereof. Class B Certificate: Any one of the Certificates designated as a Class B-1 Certificate, Class B-2 Certificate or Class B-3 Certificate. Class M Certificate: Any one of the Certificates designated as a Class M-1 Certificate, Class M-2 Certificate or Class M-3 Certificate. Closing Date: As defined in the Series Supplement. Code: The Internal Revenue Code of 1986, as amended. Combined Collateral LLC: Combined Collateral LLC, a Delaware limited liability company. Commission: The Securities and Exchange Commission. Compensating Interest: With respect to any Distribution Date, an amount equal to Prepayment Interest Shortfalls resulting from Principal Prepayments in 9 Full during the related Prepayment Period and Curtailments during the prior calendar month and included in the Available Distribution Amount for such Distribution Date, but not more than the lesser of (a) one-twelfth of 0.125% of the Stated Principal Balance of the Mortgage Loans immediately preceding such Distribution Date and (b) the sum of the Servicing Fee and all income and gain on amounts held in the Custodial Account and the Certificate Account and payable to the Certificateholders with respect to such Distribution Date; provided that for purposes of this definition the amount of the Servicing Fee will not be reduced pursuant to Section 7.02(a) except as may be required pursuant to the last sentence of such Section. Compliance With Laws Representation: The following representation and warranty (or any representation and warranty that is substantially similar) made by Residential Funding in Section 4 of Assignment Agreement: "Each Mortgage Loan at the time it was made complied in all material respects with applicable local, state, and federal laws, including, but not limited to, all applicable anti-predatory lending laws". Cooperative: A private, cooperative housing corporation which owns or leases land and all or part of a building or buildings, including apartments, spaces used for commercial purposes and common areas therein and whose board of directors authorizes, among other things, the sale of Cooperative Stock. Cooperative Apartment: A dwelling unit in a multi-dwelling building owned or leased by a Cooperative, which unit the Mortgagor has an exclusive right to occupy pursuant to the terms of a proprietary lease or occupancy agreement. Cooperative Lease: With respect to a Cooperative Loan, the proprietary lease or occupancy agreement with respect to the Cooperative Apartment occupied by the Mortgagor and relating to the related Cooperative Stock, which lease or agreement confers an exclusive right to the holder of such Cooperative Stock to occupy such apartment. Cooperative Loans: Any of the Mortgage Loans made in respect of a Cooperative Apartment, evidenced by a Mortgage Note and secured by (i) a Security Agreement, (ii) the related Cooperative Stock Certificate, (iii) an assignment of the Cooperative Lease, (iv) financing statements and (v) a stock power (or other similar instrument), and ancillary thereto, a recognition agreement between the Cooperative and the originator of the Cooperative Loan, each of which was transferred and assigned to the Trustee pursuant to Section 2.01 and are from time to time held as part of the Trust Fund. Cooperative Stock: With respect to a Cooperative Loan, the single outstanding class of stock, partnership interest or other ownership instrument in the related Cooperative. Cooperative Stock Certificate: With respect to a Cooperative Loan, the stock certificate or other instrument evidencing the related Cooperative Stock. Credit Repository: Equifax, Transunion and Experian, or their successors in interest. Credit Support Depletion Date: The first Distribution Date on which the Certificate Principal Balances of the Subordinate Certificates have been reduced to zero. 10 Credit Support Pledge Agreement: The Credit Support Pledge Agreement, dated as of November 24, 1998, among the Master Servicer, GMAC Mortgage Corporation, Combined Collateral LLC and The First National Bank of Chicago (now known as Bank One, National Association), as custodian. Cumulative Insurance Payments: As defined in the Series Supplement. Curtailment: Any Principal Prepayment made by a Mortgagor which is not a Principal Prepayment in Full. Custodial Account: The custodial account or accounts created and maintained pursuant to Section 3.07 in the name of a depository institution, as custodian for the holders of the Certificates, for the holders of certain other interests in mortgage loans serviced or sold by the Master Servicer and for the Master Servicer, into which the amounts set forth in Section 3.07 shall be deposited directly. Any such account or accounts shall be an Eligible Account. Custodial Agreement: An agreement that may be entered into among the Company, the Master Servicer, the Trustee and a Custodian pursuant to which the Custodian will hold certain documents relating to the Mortgage Loans on behalf of the Trustee. Custodian: A custodian appointed pursuant to a Custodial Agreement. Cut-off Date Principal Balance: As to any Mortgage Loan, the unpaid principal balance thereof at the Cut-off Date after giving effect to all installments of principal due on or prior thereto (or due during the month of the Cut-off Date), whether or not received. Debt Service Reduction: With respect to any Mortgage Loan, a reduction in the scheduled Monthly Payment for such Mortgage Loan by a court of competent jurisdiction in a proceeding under the Bankruptcy Code, except such a reduction constituting a Deficient Valuation or any reduction that results in a permanent forgiveness of principal. Deficient Valuation: With respect to any Mortgage Loan, a valuation by a court of competent jurisdiction of the Mortgaged Property in an amount less than the then outstanding indebtedness under the Mortgage Loan, or any reduction in the amount of principal to be paid in connection with any scheduled Monthly Payment that constitutes a permanent forgiveness of principal, which valuation or reduction results from a proceeding under the Bankruptcy Code. Definitive Certificate: Any Certificate other than a Book-Entry Certificate. Deleted Mortgage Loan: A Mortgage Loan replaced or to be replaced with a Qualified Substitute Mortgage Loan. Delinquent: As used herein, a Mortgage Loan is considered to be: "30 to 59 days" or "30 or more days" delinquent when a payment due on any scheduled due date remains unpaid as of the close of business on the last business day immediately prior to the next following monthly scheduled due date; "60 to 89 days" or "60 or more days" delinquent when a payment due on any scheduled due date remains unpaid as of the close of business on the last business day immediately prior to the second following monthly scheduled due date; and so on. 11 The determination as to whether a Mortgage Loan falls into these categories is made as of the close of business on the last business day of each month. For example, a Mortgage Loan with a payment due on July 1 that remained unpaid as of the close of business on July 31 would then be considered to be 30 to 59 days delinquent. Delinquency information as of the Cut-off Date is determined and prepared as of the close of business on the last business day immediately prior to the Cut-off Date. Depository: The Depository Trust Company, or any successor Depository hereafter named. The nominee of the initial Depository for purposes of registering those Certificates that are to be Book-Entry Certificates is Cede & Co. The Depository shall at all times be a "clearing corporation" as defined in Section 8-102(a)(5) of the Uniform Commercial Code of the State of New York and a "clearing agency" registered pursuant to the provisions of Section 17A of the Securities Exchange Act of 1934, as amended. Depository Participant: A broker, dealer, bank or other financial institution or other Person for whom from time to time a Depository effects book-entry transfers and pledges of securities deposited with the Depository. Destroyed Mortgage Note: A Mortgage Note the original of which was permanently lost or destroyed and has not been replaced. Determination Date: As defined in the Series Supplement. Discount Fraction: With respect to each Discount Mortgage Loan, the fraction expressed as a percentage, the numerator of which is the Discount Net Mortgage Rate minus the Net Mortgage Rate (or the initial Net Mortgage Rate with respect to any Discount Mortgage Loans as to which the Mortgage Rate is modified pursuant to 3.07(a)) for such Mortgage Loan and the denominator of which is the Discount Net Mortgage Rate. The Discount Fraction with respect to each Discount Mortgage Loan is set forth as an exhibit attached to the Series Supplement. Discount Mortgage Loan: Any Mortgage Loan having a Net Mortgage Rate (or the initial Net Mortgage Rate) of less than the Discount Net Mortgage Rate per annum and any Mortgage Loan deemed to be a Discount Mortgage Loan pursuant to the definition of Qualified Substitute Mortgage Loan. Discount Net Mortgage Rate: As defined in the Series Supplement. Disqualified Organization: Any organization defined as a "disqualified organization" under Section 860E(e)(5) of the Code, and if not otherwise included, any of the following: (i) the United States, any State or political subdivision thereof, any possession of the United States, or any agency or instrumentality of any of the foregoing (other than an instrumentality which is a corporation if all of its activities are subject to tax and, except for the Freddie Mac, a majority of its board of directors is not selected by such governmental unit), (ii) a foreign government, any international organization, or any agency or instrumentality of any of the foregoing, (iii) any organization (other than certain farmers' cooperatives described in Section 521 of the Code) which is exempt from the tax imposed by Chapter 1 of the Code (including the tax 12 imposed by Section 511 of the Code on unrelated business taxable income), (iv) rural electric and telephone cooperatives described in Section 1381(a)(2)(C) of the Code, (v) any "electing large partnership," as defined in Section 775(a) of the Code and (vi) any other Person so designated by the Trustee based upon an Opinion of Counsel that the holding of an Ownership Interest in a Class R Certificate by such Person may cause the Trust Fund or any Person having an Ownership Interest in any Class of Certificates (other than such Person) to incur a liability for any federal tax imposed under the Code that would not otherwise be imposed but for the Transfer of an Ownership Interest in a Class R Certificate to such Person. The terms "United States", "State" and "international organization" shall have the meanings set forth in Section 7701 of the Code or successor provisions. Distribution Date: The 25th day of any month beginning in the month immediately following the month of the initial issuance of the Certificates or, if such 25th day is not a Business Day, the Business Day immediately following such 25th day. Due Date: With respect to any Distribution Date and any Mortgage Loan, the day during the related Due Period on which the Monthly Payment is due. Due Period: With respect to any Distribution Date, the one-month period set forth in the Series Supplement. Eligible Account: An account that is any of the following: (i) maintained with a depository institution the debt obligations of which have been rated by each Rating Agency in its highest rating available, or (ii) an account or accounts in a depository institution in which such accounts are fully insured to the limits established by the FDIC, provided that any deposits not so insured shall, to the extent acceptable to each Rating Agency, as evidenced in writing, be maintained such that (as evidenced by an Opinion of Counsel delivered to the Trustee and each Rating Agency) the registered Holders of Certificates have a claim with respect to the funds in such account or a perfected first security interest against any collateral (which shall be limited to Permitted Investments) securing such funds that is superior to claims of any other depositors or creditors of the depository institution with which such account is maintained, or (iii) in the case of the Custodial Account, a trust account or accounts maintained in the corporate trust department of Bank One, National Association, or (iv) in the case of the Certificate Account, a trust account or accounts maintained in the corporate trust division of the Trustee, or (v) an account or accounts of a depository institution acceptable to each Rating Agency (as evidenced in writing by each Rating Agency that use of any such account as the Custodial Account or the Certificate Account will not reduce the rating assigned to any Class of Certificates by such Rating Agency below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency). Event of Default: As defined in Section 7.01. Excess Bankruptcy Loss: Any Bankruptcy Loss, or portion thereof, which exceeds the then applicable Bankruptcy Amount. Excess Fraud Loss: Any Fraud Loss, or portion thereof, which exceeds the then applicable Fraud Loss Amount. 13 Excess Special Hazard Loss: Any Special Hazard Loss, or portion thereof, that exceeds the then applicable Special Hazard Amount. Excess Subordinate Principal Amount: With respect to any Distribution Date on which the aggregate Certificate Principal Balance of the Class of Subordinate Certificates then outstanding with the Lowest Priority is to be reduced to zero and on which Realized Losses are to be allocated to such class or classes, the excess, if any, of (i) the amount that would otherwise be distributable in respect of principal on such class or classes of Certificates on such Distribution Date over (ii) the excess, if any, of the aggregate Certificate Principal Balance of such class or classes of Certificates immediately prior to such Distribution Date over the aggregate amount of Realized Losses to be allocated to such classes of Certificates on such Distribution Date as reduced by any amount calculated pursuant to clause (E) of the definition of Class A-P Principal Distribution Amount. With respect to any Mortgage Pool that is comprised of two or more Loan Groups, the Excess Subordinate Principal Amount will be allocated between each Loan Group on a pro rata basis in accordance with the amount of Realized Losses attributable to each Loan Group and allocated to the Certificates on such Distribution Date. Exchange Act: The Securities and Exchange Act of 1934, as amended. Extraordinary Events: Any of the following conditions with respect to a Mortgaged Property (or, with respect to a Cooperative Loan, the Cooperative Apartment) or Mortgage Loan causing or resulting in a loss which causes the liquidation of such Mortgage Loan: (a) losses that are of the type that would be covered by the fidelity bond and the errors and omissions insurance policy required to be maintained pursuant to Section 3.12(b) but are in excess of the coverage maintained thereunder; (b) nuclear reaction or nuclear radiation or radioactive contamination, all whether controlled or uncontrolled, and whether such loss be direct or indirect, proximate or remote or be in whole or in part caused by, contributed to or aggravated by a peril covered by the definition of the term "Special Hazard Loss"; (c) hostile or warlike action in time of peace or war, including action in hindering, combating or defending against an actual, impending or expected attack: 1. by any government or sovereign power, de jure or de facto, or by any authority maintaining or using military, naval or air forces; or 2. by military, naval or air forces; or 3. by an agent of any such government, power, authority or forces; (d) any weapon of war employing atomic fission or radioactive force whether in time of peace or war; or (e) insurrection, rebellion, revolution, civil war, usurped power or action taken by governmental authority in hindering, combating or defending against such an occurrence, seizure or destruction under quarantine or customs regulations, confiscation by order of any government or public authority; or risks of contraband or illegal transportation or trade. 14 Extraordinary Losses: Any loss incurred on a Mortgage Loan caused by or resulting from an Extraordinary Event. Fannie Mae: Federal National Mortgage Association, a federally chartered and privately owned corporation organized and existing under the Federal National Mortgage Association Charter Act, or any successor thereto. FASIT: A "financial asset securitization investment trust" within the meaning of Section 860L of the Code. FDIC: Federal Deposit Insurance Corporation or any successor thereto. Final Distribution Date: The Distribution Date on which the final distribution in respect of the Certificates will be made pursuant to Section 9.01, which Final Distribution Date shall in no event be later than the end of the 90-day liquidation period described in Section 9.02. Fitch: Fitch Ratings or its successor in interest. Foreclosure Profits: As to any Distribution Date or related Determination Date and any Mortgage Loan, the excess, if any, of Liquidation Proceeds, Insurance Proceeds and REO Proceeds (net of all amounts reimbursable therefrom pursuant to Section 3.10(a)(ii)) in respect of each Mortgage Loan or REO Property for which a Cash Liquidation or REO Disposition occurred in the related Prepayment Period over the sum of the unpaid principal balance of such Mortgage Loan or REO Property (determined, in the case of an REO Disposition, in accordance with Section 3.14) plus accrued and unpaid interest at the Mortgage Rate on such unpaid principal balance from the Due Date to which interest was last paid by the Mortgagor to the first day of the month following the month in which such Cash Liquidation or REO Disposition occurred. Form 10-K Certification: As defined in Section 4.03(e). Fraud Losses: Realized Losses on Mortgage Loans as to which there was fraud in the origination of such Mortgage Loan. Freddie Mac: Federal Home Loan Mortgage Corporation, a corporate instrumentality of the United States created and existing under Title III of the Emergency Home Finance Act of 1970, as amended, or any successor thereto. Highest Priority: As of any date of determination, the Class of Subordinate Certificates then outstanding with a Certificate Principal Balance greater than zero, with the earliest priority for payments pursuant to Section 4.02(a), in the following order: Class M-1, Class M-2, Class M-3, Class B-1, Class B-2 and Class B-3 Certificates. Independent: When used with respect to any specified Person, means such a Person who (i) is in fact independent of the Company, the Master Servicer and the Trustee, or any Affiliate thereof, (ii) does not have any direct financial interest or any material indirect financial interest in the Company, the Master Servicer or the Trustee or in an Affiliate thereof, and (iii) is not connected with the Company, the Master Servicer or the Trustee as an officer, employee, promoter, underwriter, trustee, partner, director or person performing similar functions. 15 Initial Certificate Principal Balance: With respect to each Class of Certificates, the Certificate Principal Balance of such Class of Certificates as of the Cut-off Date, as set forth in the Series Supplement. Initial Monthly Payment Fund: An amount representing scheduled principal amortization and interest at the Net Mortgage Rate for the Due Date in the first Due Period commencing subsequent to the Cut-off Date for those Mortgage Loans for which the Trustee will not be entitled to receive such payment, and as more specifically defined in the Series Supplement. Initial Notional Amount: With respect to any Class or Subclass of Interest Only Certificates, the amount initially used as the principal basis for the calculation of any interest payment amount, as more specifically defined in the Series Supplement. Initial Subordinate Class Percentage: As defined in the Series Supplement. Insurance Proceeds: Proceeds paid in respect of the Mortgage Loans pursuant to any Primary Insurance Policy or any other related insurance policy covering a Mortgage Loan (excluding any Certificate Policy (as defined in the Series Supplement)), to the extent such proceeds are payable to the mortgagee under the Mortgage, any Subservicer, the Master Servicer or the Trustee and are not applied to the restoration of the related Mortgaged Property (or, with respect to a Cooperative Loan, the related Cooperative Apartment) or released to the Mortgagor in accordance with the procedures that the Master Servicer would follow in servicing mortgage loans held for its own account. Insurer: Any named insurer under any Primary Insurance Policy or any successor thereto or the named insurer in any replacement policy. Interest Accrual Period: As defined in the Series Supplement. Interest Only Certificates: A Class or Subclass of Certificates not entitled to payments of principal, and designated as such in the Series Supplement. The Interest Only Certificates will have no Certificate Principal Balance. Interim Certification: As defined in Section 2.02. International Borrower: In connection with any Mortgage Loan, a borrower who is (a) a United States citizen employed in a foreign country, (b) a non-permanent resident alien employed in the United States or (c) a citizen of a country other than the United States with income derived from sources outside the United States. Junior Certificateholder: The Holder of not less than 95% of the Percentage Interests of the Junior Class of Certificates. Junior Class of Certificates: The Class of Subordinate Certificates outstanding as of the date of the repurchase of a Mortgage Loan pursuant to Section 4.07 herein that has the Lowest Priority. 16 Late Collections: With respect to any Mortgage Loan, all amounts received during any Due Period, whether as late payments of Monthly Payments or as Insurance Proceeds, Liquidation Proceeds or otherwise, which represent late payments or collections of Monthly Payments due but delinquent for a previous Due Period and not previously recovered. Liquidation Proceeds: Amounts (other than Insurance Proceeds) received by the Master Servicer in connection with the taking of an entire Mortgaged Property by exercise of the power of eminent domain or condemnation or in connection with the liquidation of a defaulted Mortgage Loan through trustee's sale, foreclosure sale or otherwise, other than REO Proceeds. Loan Group: Any group of Mortgage Loans designated as a separate loan group in the Series Supplement. The Certificates relating to each Loan Group will be designated in the Series Supplement. Loan-to-Value Ratio: As of any date, the fraction, expressed as a percentage, the numerator of which is the current principal balance of the related Mortgage Loan at the date of determination and the denominator of which is the Appraised Value of the related Mortgaged Property. Lower Priority: As of any date of determination and any Class of Subordinate Certificates, any other Class of Subordinate Certificates then outstanding with a later priority for payments pursuant to Section 4.02 (a). Lowest Priority: As of any date of determination, the Class of Subordinate Certificates then outstanding with a Certificate Principal Balance greater than zero, with the latest priority for payments pursuant to Section 4.02(a), in the following order: Class B-3, Class B-2, Class B-1, Class M-3, Class M-2 and Class M-1 Certificates. Maturity Date: The latest possible maturity date, solely for purposes of Section 1.860G-1(a)(4)(iii) of the Treasury regulations, by which the Certificate Principal Balance of each Class of Certificates (other than the Interest Only Certificates which have no Certificate Principal Balance) and each Uncertificated REMIC Regular Interest would be reduced to zero, as designated in the Series Supplement. MERS: Mortgage Electronic Registration Systems, Inc., a corporation organized and existing under the laws of the State of Delaware, or any successor thereto. MERS(R) System: The system of recording transfers of Mortgages electronically maintained by MERS. MIN: The Mortgage Identification Number for Mortgage Loans registered with MERS on the MERS(R) System. MLCC: Merrill Lynch Credit Corporation, or its successor in interest. 17 Modified Mortgage Loan: Any Mortgage Loan that has been the subject of a Servicing Modification. Modified Net Mortgage Rate: As to any Mortgage Loan that is the subject of a Servicing Modification, the Net Mortgage Rate minus the rate per annum by which the Mortgage Rate on such Mortgage Loan was reduced. MOM Loan: With respect to any Mortgage Loan, MERS acting as the mortgagee of such Mortgage Loan, solely as nominee for the originator of such Mortgage Loan and its successors and assigns, at the origination thereof. Monthly Payment: With respect to any Mortgage Loan (including any REO Property) and any Due Date, the payment of principal and interest due thereon in accordance with the amortization schedule at the time applicable thereto (after adjustment, if any, for Curtailments and for Deficient Valuations occurring prior to such Due Date but before any adjustment to such amortization schedule by reason of any bankruptcy, other than a Deficient Valuation, or similar proceeding or any moratorium or similar waiver or grace period and before any Servicing Modification that constitutes a reduction of the interest rate on such Mortgage Loan). Moody's: Moody's Investors Service, Inc., or its successor in interest. Mortgage: With respect to each Mortgage Note related to a Mortgage Loan which is not a Cooperative Loan, the mortgage, deed of trust or other comparable instrument creating a first lien on an estate in fee simple or leasehold interest in real property securing a Mortgage Note. Mortgage File: The mortgage documents listed in Section 2.01 pertaining to a particular Mortgage Loan and any additional documents required to be added to the Mortgage File pursuant to this Agreement. Mortgage Loans: Such of the mortgage loans transferred and assigned to the Trustee pursuant to Section 2.01 as from time to time are held or deemed to be held as a part of the Trust Fund, the Mortgage Loans originally so held being identified in the initial Mortgage Loan Schedule, and Qualified Substitute Mortgage Loans held or deemed held as part of the Trust Fund including, without limitation, (i) with respect to each Cooperative Loan, the related Mortgage Note, Security Agreement, Assignment of Proprietary Lease, Cooperative Stock Certificate, Cooperative Lease and Mortgage File and all rights appertaining thereto, and (ii) with respect to each Mortgage Loan other than a Cooperative Loan, each related Mortgage Note, Mortgage and Mortgage File and all rights appertaining thereto. Mortgage Loan Schedule: As defined in the Series Supplement. Mortgage Note: The originally executed note or other evidence of indebtedness evidencing the indebtedness of a Mortgagor under a Mortgage Loan, together with any modification thereto. Mortgage Pool: The pool of mortgage loans, including all Loan Groups, if any, consisting of the Mortgage Loans. 18 Mortgage Rate: As to any Mortgage Loan, the interest rate borne by the related Mortgage Note, or any modification thereto other than a Servicing Modification. Mortgaged Property: The underlying real property securing a Mortgage Loan or, with respect to a Cooperative Loan, the related Cooperative Lease and Cooperative Stock. Mortgagor: The obligor on a Mortgage Note. Net Mortgage Rate: As to each Mortgage Loan, a per annum rate of interest equal to the Adjusted Mortgage Rate less the per annum rate at which the Servicing Fee is calculated. Non-Discount Mortgage Loan: A Mortgage Loan that is not a Discount Mortgage Loan. Non-Primary Residence Loans: The Mortgage Loans designated as secured by second or vacation residences, or by non-owner occupied residences, on the Mortgage Loan Schedule. Non-United States Person: Any Person other than a United States Person. Nonrecoverable Advance: Any Advance previously made or proposed to be made by the Master Servicer or Subservicer in respect of a Mortgage Loan (other than a Deleted Mortgage Loan) which, in the good faith judgment of the Master Servicer, will not, or, in the case of a proposed Advance, would not, be ultimately recoverable by the Master Servicer from related Late Collections, Insurance Proceeds, Liquidation Proceeds, REO Proceeds or amounts reimbursable to the Master Servicer pursuant to Section 4.02(a) hereof. To the extent that any Mortgagor is not obligated under the related Mortgage documents to pay or reimburse any portion of any Servicing Advances that are outstanding with respect to the related Mortgage Loan as a result of a modification of such Mortgage Loan by the Master Servicer, which forgives amounts which the Master Servicer or Subservicer had previously advanced, and the Master Servicer determines that no other source of payment or reimbursement for such advances is available to it, such Servicing Advances shall be deemed to be Nonrecoverable Advances. The determination by the Master Servicer that it has made a Nonrecoverable Advance or that any proposed Advance would constitute a Nonrecoverable Advance, shall be evidenced by an Officers' Certificate delivered to the Company, the Trustee and any Certificate Insurer. Nonsubserviced Mortgage Loan: Any Mortgage Loan that, at the time of reference thereto, is not subject to a Subservicing Agreement. Notional Amount: With respect to any Class or Subclass of Interest Only Certificates, an amount used as the principal basis for the calculation of any interest payment amount, as more specifically defined in the Series Supplement. Officers' Certificate: A certificate signed by the Chairman of the Board, the President or a Vice President or Assistant Vice President, or a Director or Managing Director, and by the Treasurer, the Secretary, or one of the Assistant Treasurers or Assistant Secretaries of the Company or the Master Servicer, as the case may be, and delivered to the Trustee, as required by this Agreement. 19 Opinion of Counsel: A written opinion of counsel acceptable to the Trustee and the Master Servicer, who may be counsel for the Company or the Master Servicer, provided that any opinion of counsel (i) referred to in the definition of "Disqualified Organization" or (ii) relating to the qualification of any REMIC formed under the Series Supplement or compliance with the REMIC Provisions must, unless otherwise specified, be an opinion of Independent counsel. Outstanding Mortgage Loan: As to any Due Date, a Mortgage Loan (including an REO Property) which was not the subject of a Principal Prepayment in Full, Cash Liquidation or REO Disposition and which was not purchased, deleted or substituted for prior to such Due Date pursuant to Section 2.02, 2.03, 2.04 or 4.07. Ownership Interest: As to any Certificate, any ownership or security interest in such Certificate, including any interest in such Certificate as the Holder thereof and any other interest therein, whether direct or indirect, legal or beneficial, as owner or as pledgee. Pass-Through Rate: As defined in the Series Supplement. Paying Agent: The Trustee or any successor Paying Agent appointed by the Trustee. Percentage Interest: With respect to any Certificate (other than a Class R Certificate), the undivided percentage ownership interest in the related Class evidenced by such Certificate, which percentage ownership interest shall be equal to the Initial Certificate Principal Balance thereof or Initial Notional Amount (in the case of any Interest Only Certificate) thereof divided by the aggregate Initial Certificate Principal Balance or the aggregate of the Initial Notional Amounts, as applicable, of all the Certificates of the same Class. With respect to a Class R Certificate, the interest in distributions to be made with respect to such Class evidenced thereby, expressed as a percentage, as stated on the face of each such Certificate. Permitted Investments: One or more of the following: (i) obligations of or guaranteed as to timely payment of principal and interest by the United States or any agency or instrumentality thereof when such obligations are backed by the full faith and credit of the United States; (ii) repurchase agreements on obligations specified in clause (i) maturing not more than one month from the date of acquisition thereof, provided that the unsecured short-term debt obligations of the party agreeing to repurchase such obligations are at the time rated by each Rating Agency in its highest short-term rating available; (iii) federal funds, certificates of deposit, demand deposits, time deposits and bankers' acceptances (which shall each have an original maturity of not more than 90 days and, in the case of bankers' acceptances, shall in no event have an original maturity of more than 365 days or a remaining maturity of more than 30 days) denominated in United States dollars of any U.S. depository institution or trust company incorporated under the laws of the United States or any state thereof or of any domestic branch of a foreign depository institution or trust company; provided that the short-term debt obligations of such depository institution or trust company (or, if the only Rating Agency is Standard & Poor's, in the case 20 of the principal depository institution in a depository institution holding company, debt obligations of the depository institution holding company) at the date of acquisition thereof have been rated by each Rating Agency in its highest short-term rating available; and provided further that, if the only Rating Agency is Standard & Poor's and if the depository or trust company is a principal subsidiary of a bank holding company and the debt obligations of such subsidiary are not separately rated, the applicable rating shall be that of the bank holding company; and, provided further that, if the original maturity of such short-term debt obligations of a domestic branch of a foreign depository institution or trust company shall exceed 30 days, the short-term rating of such institution shall be A-1+ in the case of Standard & Poor's if Standard & Poor's is the Rating Agency; (iv) commercial paper and demand notes (having original maturities of not more than 365 days) of any corporation incorporated under the laws of the United States or any state thereof which on the date of acquisition has been rated by each Rating Agency in its highest short-term rating available; provided that such commercial paper shall have a remaining maturity of not more than 30 days; (v) any mutual fund, money market fund, common trust fund or other pooled investment vehicle, the assets of which are limited to instruments that otherwise would constitute Permitted Investments hereunder and have been rated by each Rating Agency in its highest short-term rating available (in the case of Standard & Poor's such rating shall be either AAAm or AAAm-G), including any such fund that is managed by the Trustee or any affiliate of the Trustee or for which the Trustee or any of its affiliates acts as an adviser; and (vi) other obligations or securities that are acceptable to each Rating Agency as a Permitted Investment hereunder and will not reduce the rating assigned to any Class of Certificates by such Rating Agency (without giving effect to any Certificate Policy (as defined in the Series Supplement) in the case of Insured Certificates (as defined in the Series Supplement) below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency, as evidenced in writing; provided, however, no instrument shall be a Permitted Investment if it represents, either (1) the right to receive only interest payments with respect to the underlying debt instrument or (2) the right to receive both principal and interest payments derived from obligations underlying such instrument and the principal and interest payments with respect to such instrument provide a yield to maturity greater than 120% of the yield to maturity at par of such underlying obligations. References herein to the highest rating available on unsecured long-term rating category available shall mean AAA in the case of Standard & Poor's and Fitch and Aaa in the case of Moody's, and references herein to the highest rating available on unsecured commercial paper and short-term rating category available obligations shall mean A-1 in the case of Standard & Poor's, P-1 in the case of Moody's and either A-+ by Standard & Poor's, P-1 by Moody's or F-1 by Fitch in the case of Fitch. Permitted Transferee: Any Transferee of a Class R Certificate, other than a Disqualified Organization or Non-United States Person. 21 Person: Any individual, corporation, limited liability company, partnership, joint venture, association, joint-stock company, trust, unincorporated organization or government or any agency or political subdivision thereof. Pledged Amount: With respect to any Pledged Asset Loan, the amount of money remitted to Combined Collateral LLC, at the direction of or for the benefit of the related Mortgagor. Pledged Asset Loan: Any Mortgage Loan supported by Pledged Assets or such other collateral, other than the related Mortgaged Property, set forth in the Series Supplement. Pledged Assets: With respect to any Mortgage Loan, all money, securities, security entitlements, accounts, general intangibles, payment intangibles, instruments, documents, deposit accounts, certificates of deposit, commodities contracts and other investment property and other property of whatever kind or description pledged by Combined Collateral LLC as security in respect of any Realized Losses in connection with such Mortgage Loan up to the Pledged Amount for such Mortgage Loan, and any related collateral, or such other collateral as may be set forth in the Series Supplement. Pledged Asset Mortgage Servicing Agreement: The Pledged Asset Mortgage Servicing Agreement, dated as of February 28, 1996 between MLCC and the Master Servicer. Pooling and Servicing Agreement or Agreement: With respect to any Series, this Standard Terms together with the related Series Supplement. Pool Stated Principal Balance: As to any Distribution Date, the aggregate of the Stated Principal Balances of each Mortgage Loan. Pool Strip Rate: With respect to each Mortgage Loan, a per annum rate equal to the excess of (a) the Net Mortgage Rate of such Mortgage Loan over (b) the Discount Net Mortgage Rate (but not less than 0.00%) per annum. Prepayment Distribution Trigger: With respect to any Distribution Date and any Class of Subordinate Certificates (other than the Class M-1 Certificates), a test that shall be satisfied if the fraction (expressed as a percentage) equal to the sum of the Certificate Principal Balances of such Class and each Class of Subordinate Certificates with a Lower Priority than such Class immediately prior to such Distribution Date divided by the aggregate Stated Principal Balance of all of the Mortgage Loans (or related REO Properties) immediately prior to such Distribution Date is greater than or equal to the sum of the related Initial Subordinate Class Percentages of such Classes of Subordinate Certificates. Prepayment Interest Shortfall: As to any Distribution Date and any Mortgage Loan (other than a Mortgage Loan relating to an REO Property) that was the subject of (a) a Principal Prepayment in Full during the portion of the related Prepayment Period that falls during the prior calendar month, an amount equal to the excess of one month's interest at the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of a Modified Mortgage Loan) on the Stated Principal Balance of such Mortgage Loan over the amount of interest (adjusted to the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of 22 a Modified Mortgage Loan)) paid by the Mortgagor for such month to the date of such Principal Prepayment in Full or (b) a Curtailment during the prior calendar month, an amount equal to one month's interest at the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of a Modified Mortgage Loan) on the amount of such Curtailment. Prepayment Period: As to any Distribution Date and Principal Prepayment in Full, the period commencing on the 16th day of the month prior to the month in which that Distribution Date occurs and ending on the 15th day of the month in which such Distribution Date occurs. Primary Insurance Policy: Each primary policy of mortgage guaranty insurance or any replacement policy therefor referred to in Section 2.03(b)(iv) and (v). Principal Only Certificates: A Class of Certificates not entitled to payments of interest, and more specifically designated as such in the Series Supplement. Principal Prepayment: Any payment of principal or other recovery on a Mortgage Loan, including a recovery that takes the form of Liquidation Proceeds or Insurance Proceeds, which is received in advance of its scheduled Due Date and is not accompanied by an amount as to interest representing scheduled interest on such payment due on any date or dates in any month or months subsequent to the month of prepayment. Principal Prepayment in Full: Any Principal Prepayment of the entire principal balance of a Mortgage Loan that is made by the Mortgagor. Program Guide: Collectively, the Client Guide and the Servicer Guide for Residential Funding's Expanded Criteria Mortgage Program. Purchase Price: With respect to any Mortgage Loan (or REO Property) required to be or otherwise purchased on any date pursuant to Section 2.02, 2.03, 2.04 or 4.07, an amount equal to the sum of (i) 100% of the Stated Principal Balance thereof plus the principal portion of any related unreimbursed Advances and (ii) unpaid accrued interest at the Adjusted Mortgage Rate (or Modified Net Mortgage Rate plus the rate per annum at which the Servicing Fee is calculated in the case of a Modified Mortgage Loan) (or at the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of a Modified Mortgage Loan) in the case of a purchase made by the Master Servicer) on the Stated Principal Balance thereof to the Due Date in the Due Period related to the Distribution Date occurring in the month following the month of purchase from the Due Date to which interest was last paid by the Mortgagor. Qualified Substitute Mortgage Loan: A Mortgage Loan substituted by Residential Funding or the Company for a Deleted Mortgage Loan which must, on the date of such substitution, as confirmed in an Officers' Certificate delivered to the Trustee, with a copy to the Custodian, (i) have an outstanding principal balance, after deduction of the principal portion of the monthly payment due in the month of substitution (or in the case of a substitution of more than one Mortgage Loan for a Deleted Mortgage Loan, an aggregate outstanding principal balance, after such deduction), not in excess of the Stated Principal Balance of the Deleted Mortgage Loan (the amount of any shortfall to be deposited by Residential Funding in the Custodial Account in the month of substitution); 23 (ii) have a Mortgage Rate and a Net Mortgage Rate no lower than and not more than 1% per annum higher than the Mortgage Rate and Net Mortgage Rate, respectively, of the Deleted Mortgage Loan as of the date of substitution; (iii) have a Loan-to-Value Ratio at the time of substitution no higher than that of the Deleted Mortgage Loan at the time of substitution; (iv) have a remaining term to stated maturity not greater than (and not more than one year less than) that of the Deleted Mortgage Loan; (v) comply with each representation and warranty set forth in Sections 2.03 and 2.04 hereof and Section 4 of the Assignment Agreement; and (vi) have a Pool Strip Rate equal to or greater than that of the Deleted Mortgage Loan. Notwithstanding any other provisions herein, (x) with respect to any Qualified Substitute Mortgage Loan substituted for a Deleted Mortgage Loan which was a Discount Mortgage Loan, such Qualified Substitute Mortgage Loan shall be deemed to be a Discount Mortgage Loan and to have a Discount Fraction equal to the Discount Fraction of the Deleted Mortgage Loan and (y) in the event that the "Pool Strip Rate" of any Qualified Substitute Mortgage Loan as calculated pursuant to the definition of "Pool Strip Rate" is greater than the Pool Strip Rate of the related Deleted Mortgage Loan (i) the Pool Strip Rate of such Qualified Substitute Mortgage Loan shall be equal to the Pool Strip Rate of the related Deleted Mortgage Loan for purposes of calculating the Pass-Through Rate on the Class A-V Certificates and (ii) the excess of the Pool Strip Rate on such Qualified Substitute Mortgage Loan as calculated pursuant to the definition of "Pool Strip Rate" over the Pool Strip Rate on the related Deleted Mortgage Loan shall be payable to the Class R Certificates pursuant to Section 4.02 hereof. Rating Agency: Each of the statistical credit rating agencies specified in the Preliminary Statement of the Series Supplement. If any agency or a successor is no longer in existence, "Rating Agency" shall be such statistical credit rating agency, or other comparable Person, designated by the Company, notice of which designation shall be given to the Trustee and the Master Servicer. Realized Loss: With respect to each Mortgage Loan (or REO Property): (a) as to which a Cash Liquidation or REO Disposition has occurred, an amount (not less than zero) equal to (i) the Stated Principal Balance of the Mortgage Loan (or REO Property) as of the date of Cash Liquidation or REO Disposition, plus (ii) interest (and REO Imputed Interest, if any) at the Net Mortgage Rate from the Due Date as to which interest was last paid or advanced to 24 Certificateholders up to the Due Date in the Due Period related to the Distribution Date on which such Realized Loss will be allocated pursuant to Section 4.05 on the Stated Principal Balance of such Mortgage Loan (or REO Property) outstanding during each Due Period that such interest was not paid or advanced, minus (iii) the proceeds, if any, received during the month in which such Cash Liquidation (or REO Disposition) occurred, to the extent applied as recoveries of interest at the Net Mortgage Rate and to principal of the Mortgage Loan, net of the portion thereof reimbursable to the Master Servicer or any Subservicer with respect to related Advances, Servicing Advances or other expenses as to which the Master Servicer or Subservicer is entitled to reimbursement thereunder but which have not been previously reimbursed, (b) which is the subject of a Servicing Modification, (i) (1) the amount by which the interest portion of a Monthly Payment or the principal balance of such Mortgage Loan was reduced or (2) the sum of any other amounts owing under the Mortgage Loan that were forgiven and that constitute Servicing Advances that are reimbursable to the Master Servicer or a Subservicer, and (ii) any such amount with respect to a Monthly Payment that was or would have been due in the month immediately following the month in which a Principal Prepayment or the Purchase Price of such Mortgage Loan is received or is deemed to have been received, (c) which has become the subject of a Deficient Valuation, the difference between the principal balance of the Mortgage Loan outstanding immediately prior to such Deficient Valuation and the principal balance of the Mortgage Loan as reduced by the Deficient Valuation, or (d) which has become the object of a Debt Service Reduction, the amount of such Debt Service Reduction. Notwithstanding the above, neither a Deficient Valuation nor a Debt Service Reduction shall be deemed a Realized Loss hereunder so long as the Master Servicer has notified the Trustee in writing that the Master Servicer is diligently pursuing any remedies that may exist in connection with the representations and warranties made regarding the related Mortgage Loan and either (A) the related Mortgage Loan is not in default with regard to payments due thereunder or (B) delinquent payments of principal and interest under the related Mortgage Loan and any premiums on any applicable primary hazard insurance policy and any related escrow payments in respect of such Mortgage Loan are being advanced on a current basis by the Master Servicer or a Subservicer, in either case without giving effect to any Debt Service Reduction. To the extent the Master Servicer receives Subsequent Recoveries with respect to any Mortgage Loan, the amount of the Realized Loss with respect to that Mortgage Loan will be reduced to the extent such recoveries are applied to reduce the Certificate Principal Balance of any Class of Certificates on any Distribution Date. 25 Record Date: With respect to each Distribution Date, the close of business on the last Business Day of the month next preceding the month in which the related Distribution Date occurs. Regular Certificate: Any of the Certificates other than a Class R Certificate. Reimbursement Amounts: As defined in Section 3.22. REMIC: A "real estate mortgage investment conduit" within the meaning of Section 860D of the Code. REMIC Administrator: Residential Funding Corporation. If Residential Funding Corporation is found by a court of competent jurisdiction to no longer be able to fulfill its obligations as REMIC Administrator under this Agreement the Master Servicer or Trustee acting as Master Servicer shall appoint a successor REMIC Administrator, subject to assumption of the REMIC Administrator obligations under this Agreement. REMIC Provisions: Provisions of the federal income tax law relating to real estate mortgage investment conduits, which appear at Sections 860A through 860G of Subchapter M of Chapter 1 of the Code, and related provisions, and temporary and final regulations (or, to the extent not inconsistent with such temporary or final regulations, proposed regulations) and published rulings, notices and announcements promulgated thereunder, as the foregoing may be in effect from time to time. REO Acquisition: The acquisition by the Master Servicer on behalf of the Trustee for the benefit of the Certificateholders of any REO Property pursuant to Section 3.14. REO Disposition: As to any REO Property, a determination by the Master Servicer that it has received all Insurance Proceeds, Liquidation Proceeds, REO Proceeds and other payments and recoveries (including proceeds of a final sale) which the Master Servicer expects to be finally recoverable from the sale or other disposition of the REO Property. REO Imputed Interest: As to any REO Property, for any period, an amount equivalent to interest (at the Net Mortgage Rate that would have been applicable to the related Mortgage Loan had it been outstanding) on the unpaid principal balance of the Mortgage Loan as of the date of acquisition thereof for such period. REO Proceeds: Proceeds, net of expenses, received in respect of any REO Property (including, without limitation, proceeds from the rental of the related Mortgaged Property or, with respect to a Cooperative Loan, the related Cooperative Apartment) which proceeds are required to be deposited into the Custodial Account only upon the related REO Disposition. REO Property: A Mortgaged Property acquired by the Master Servicer through foreclosure or deed in lieu of foreclosure in connection with a defaulted Mortgage Loan. Reportable Modified Mortgage Loan: Any Mortgage Loan that (i) has been subject to an interest rate reduction, (ii) has been subject to a term extension or (iii) has had amounts owing on such Mortgage Loan capitalized by adding such amount to the Stated Principal Balance of such Mortgage Loan; provided, however, 26 that a Mortgage Loan modified in accordance with clause (i) above for a temporary period shall not be a Reportable Modified Mortgage Loan if such Mortgage Loan has not been delinquent in payments of principal and interest for six months since the date of such modification if that interest rate reduction is not made permanent thereafter. Request for Release: A request for release, the forms of which are attached as Exhibit F hereto, or an electronic request in a form acceptable to the Custodian. Required Insurance Policy: With respect to any Mortgage Loan, any insurance policy which is required to be maintained from time to time under this Agreement, the Program Guide or the related Subservicing Agreement in respect of such Mortgage Loan. Required Surety Payment: With respect to any Additional Collateral Loan that becomes a Liquidated Mortgage Loan, the lesser of (i) the principal portion of the Realized Loss with respect to such Mortgage Loan and (ii) the excess, if any, of (a) the amount of Additional Collateral required at origination with respect to such Mortgage Loan over (b) the net proceeds realized by the Subservicer from the related Additional Collateral. Residential Funding: Residential Funding Corporation, a Delaware corporation, in its capacity as seller of the Mortgage Loans to the Company and any successor thereto. Responsible Officer: When used with respect to the Trustee, any officer of the Corporate Trust Department of the Trustee, including any Senior Vice President, any Vice President, any Assistant Vice President, any Assistant Secretary, any Trust Officer or Assistant Trust Officer with particular responsibility for this transaction, or any other officer of the Trustee customarily performing functions similar to those performed by any of the above designated officers to whom, with respect to a particular matter, such matter is referred. Retail Certificates: A Senior Certificate, if any, offered in smaller minimum denominations than other Senior Certificates, and designated as such in the Series Supplement. Schedule of Discount Fractions: The schedule setting forth the Discount Fractions with respect to the Discount Mortgage Loans, attached as an exhibit to the Series Supplement. Security Agreement: With respect to a Cooperative Loan, the agreement creating a security interest in favor of the originator in the related Cooperative Stock. Seller: As to any Mortgage Loan, a Person, including any Subservicer, that executed a Seller's Agreement applicable to such Mortgage Loan. Seller's Agreement: An agreement for the origination and sale of Mortgage Loans generally in the form of the Seller Contract referred to or contained in the Program Guide, or in such other form as has been approved by the Master Servicer and the Company, each containing representations and warranties in respect of one or more Mortgage Loans consistent in all material respects with those set forth in the Program Guide. 27 Senior Accelerated Distribution Percentage: With respect to any Distribution Date occurring on or prior to the 60th Distribution Date and, with respect to any Mortgage Pool comprised of two or more Loan Groups, any Loan Group, 100%. With respect to any Distribution Date thereafter and any such Loan Group, if applicable, as follows: (i) for any Distribution Date after the 60th Distribution Date but on or prior to the 72nd Distribution Date, the related Senior Percentage for such Distribution Date plus 70% of the related Subordinate Percentage for such Distribution Date; (ii) for any Distribution Date after the 72nd Distribution Date but on or prior to the 84th Distribution Date, the related Senior Percentage for such Distribution Date plus 60% of the related Subordinate Percentage for such Distribution Date; (iii) for any Distribution Date after the 84th Distribution Date but on or prior to the 96th Distribution Date, the related Senior Percentage for such Distribution Date plus 40% of the related Subordinate Percentage for such Distribution Date; (iv) for any Distribution Date after the 96th Distribution Date but on or prior to the 108th Distribution Date, the related Senior Percentage for such Distribution Date plus 20% of the related Subordinate Percentage for such Distribution Date; and (v) for any Distribution Date thereafter, the Senior Percentage for such Distribution Date; provided, however, (i) that any scheduled reduction to the Senior Accelerated Distribution Percentage described above shall not occur as of any Distribution Date unless either (a)(1)(X) the outstanding principal balance of the Mortgage Loans delinquent 60 days or more averaged over the last six months, as a percentage of the aggregate outstanding Certificate Principal Balance of the Subordinate Certificates, is less than 50% or (Y) the outstanding principal balance of Mortgage Loans delinquent 60 days or more averaged over the last six months, as a percentage of the aggregate outstanding principal balance of all Mortgage Loans averaged over the last six months, does not exceed 2% and (2) Realized Losses on the Mortgage Loans to date for such Distribution Date if occurring during the sixth, seventh, eighth, ninth or tenth year (or any year thereafter) after the Closing Date are less than 30%, 35%, 40%, 45% or 50%, respectively, of the sum of the Initial Certificate Principal Balances of the Subordinate Certificates or (b)(1) the outstanding principal balance of Mortgage Loans delinquent 60 days or more averaged over the last six months, as a percentage of the aggregate outstanding principal balance of all Mortgage Loans averaged over the last six months, does not exceed 4% and (2) Realized Losses on the Mortgage Loans to date for such Distribution Date, if occurring during the sixth, seventh, eighth, ninth or tenth year (or any year thereafter) after the Closing Date are less than 10%, 15%, 20%, 25% or 30%, respectively, of the sum of the Initial Certificate Principal Balances of the Subordinate Certificates, and 28 (ii) that for any Distribution Date on which the Senior Percentage is greater than the Senior Percentage as of the Closing Date, the Senior Accelerated Distribution Percentage for such Distribution Date shall be 100%, or, if the Mortgage Pool is comprised of two or more Loan Groups, for any Distribution Date on which the weighted average of the Senior Percentages for each Loan Group, weighted on the basis of the Stated Principal Balances of the Mortgage Loans in the related Loan Group (excluding the Discount Fraction of the Discount Mortgage Loans in such Loan Group) exceeds the weighted average of the initial Senior Percentages (calculated on such basis) for each Loan Group, each of the Senior Accelerated Distribution Percentages for such Distribution Date will equal 100%. Notwithstanding the foregoing, upon the reduction of the Certificate Principal Balances of the related Senior Certificates (other than the Class A-P Certificates, if any) to zero, the related Senior Accelerated Distribution Percentage shall thereafter be 0%. Senior Certificate: As defined in the Series Supplement. Senior Percentage: As defined in the Series Supplement. Senior Support Certificate: A Senior Certificate that provides additional credit enhancement to certain other classes of Senior Certificates and designated as such in the Preliminary Statement of the Series Supplement. Series: All of the Certificates issued pursuant to a Pooling and Servicing Agreement and bearing the same series designation. Series Supplement: The agreement into which this Standard Terms is incorporated and pursuant to which, together with this Standard Terms, a Series of Certificates is issued. Servicing Accounts: The account or accounts created and maintained pursuant to Section 3.08. Servicing Advances: All customary, reasonable and necessary "out of pocket" costs and expenses incurred in connection with a default, delinquency or other unanticipated event by the Master Servicer or a Subservicer in the performance of its servicing obligations, including, but not limited to, the cost of (i) the preservation, restoration and protection of a Mortgaged Property or, with respect to a Cooperative Loan, the related Cooperative Apartment, (ii) any enforcement or judicial proceedings, including foreclosures, including any expenses incurred in relation to any such proceedings that result from the Mortgage Loan being registered on the MERS System, (iii) the management and liquidation of any REO Property, (iv) any mitigation procedures implemented in accordance with Section 3.07, and (v) compliance with the obligations under Sections 3.01, 3.08, 3.11, 3.12(a) and 3.14, including, if the Master Servicer or any Affiliate of the Master Servicer provides services such as appraisals and brokerage services that are customarily provided by Persons other than servicers of mortgage loans, reasonable compensation for such services. Servicing Advance Reimbursement Amounts: As defined in Section 3.22. 29 Servicing Fee: With respect to any Mortgage Loan and Distribution Date, the fee payable monthly to the Master Servicer in respect of master servicing compensation that accrues at an annual rate designated on the Mortgage Loan Schedule as the "MSTR SERV FEE" for such Mortgage Loan, as may be adjusted with respect to successor Master Servicers as provided in Section 7.02. Servicing Modification: Any reduction of the interest rate on or the outstanding principal balance of a Mortgage Loan, any extension of the final maturity date of a Mortgage Loan, and any increase to the outstanding principal balance of a Mortgage Loan by adding to the Stated Principal Balance unpaid principal and interest and other amounts owing under the Mortgage Loan, in each case pursuant to a modification of a Mortgage Loan that is in default, or for which, in the judgment of the Master Servicer, default is reasonably foreseeable in accordance with Section 3.07(a). Servicing Officer: Any officer of the Master Servicer involved in, or responsible for, the administration and servicing of the Mortgage Loans whose name and specimen signature appear on a list of servicing officers furnished to the Trustee by the Master Servicer, as such list may from time to time be amended. Special Hazard Loss: Any Realized Loss not in excess of the cost of the lesser of repair or replacement of a Mortgaged Property (or, with respect to a Cooperative Loan, the related Cooperative Apartment) suffered by such Mortgaged Property (or Cooperative Apartment) on account of direct physical loss, exclusive of (i) any loss of a type covered by a hazard policy or a flood insurance policy required to be maintained in respect of such Mortgaged Property pursuant to Section 3.12(a), except to the extent of the portion of such loss not covered as a result of any coinsurance provision and (ii) any Extraordinary Loss. Standard & Poor's: Standard & Poor's Ratings Services, a division of The McGraw-Hill Companies, Inc., or its successor in interest. Stated Principal Balance: With respect to any Mortgage Loan or related REO Property, as of any Distribution Date, (i) the sum of (a) the Cut-off Date Principal Balance of the Mortgage Loan plus (b) any amount by which the Stated Principal Balance of the Mortgage Loan has been increased pursuant to a Servicing Modification, minus (ii) the sum of (a) the principal portion of the Monthly Payments due with respect to such Mortgage Loan or REO Property during each Due Period ending with the Due Period related to the previous Distribution Date which were received or with respect to which an Advance was made, and (b) all Principal Prepayments with respect to such Mortgage Loan or REO Property, and all Insurance Proceeds, Liquidation Proceeds and REO Proceeds, to the extent applied by the Master Servicer as recoveries of principal in accordance with Section 3.14 with respect to such Mortgage Loan or REO Property, in each case which were distributed pursuant to Section 4.02 on any previous Distribution Date, and (c) any Realized Loss allocated to Certificateholders with respect thereto for any previous Distribution Date. Subclass: With respect to the Class A-V Certificates, any Subclass thereof issued pursuant to Section 5.01(c). Any such Subclass will represent the 30 Uncertificated Class A-V REMIC Regular Interest or Interests specified by the initial Holder of the Class A-V Certificates pursuant to Section 5.01(c). Subordinate Certificate: Any one of the Class M Certificates or Class B Certificates, executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit B and Exhibit C, respectively. Subordinate Class Percentage: With respect to any Distribution Date and any Class of Subordinate Certificates, a fraction, expressed as a percentage, the numerator of which is the aggregate Certificate Principal Balance of such Class of Subordinate Certificates immediately prior to such date and the denominator of which is the aggregate Stated Principal Balance of all of the Mortgage Loans (or related REO Properties) (other than the related Discount Fraction of each Discount Mortgage Loan) immediately prior to such Distribution Date. Subordinate Percentage: As of any Distribution Date and, with respect to any Mortgage Pool comprised of two or more Loan Groups, any Loan Group, 100% minus the related Senior Percentage as of such Distribution Date. Subsequent Recoveries: As of any Distribution Date, amounts received by the Master Servicer (net of any related expenses permitted to be reimbursed pursuant to Section 3.10) or surplus amounts held by the Master Servicer to cover estimated expenses (including, but not limited to, recoveries in respect of the representations and warranties made by the related Seller pursuant to the applicable Seller's Agreement and assigned to the Trustee pursuant to Section 2.04) specifically related to a Mortgage Loan that was the subject of a Cash Liquidation or an REO Disposition prior to the related Prepayment Period that resulted in a Realized Loss. Subserviced Mortgage Loan: Any Mortgage Loan that, at the time of reference thereto, is subject to a Subservicing Agreement. Subservicer: Any Person with whom the Master Servicer has entered into a Subservicing Agreement and who generally satisfied the requirements set forth in the Program Guide in respect of the qualification of a Subservicer as of the date of its approval as a Subservicer by the Master Servicer. Subservicer Advance: Any delinquent installment of principal and interest on a Mortgage Loan which is advanced by the related Subservicer (net of its Subservicing Fee) pursuant to the Subservicing Agreement. Subservicing Account: An account established by a Subservicer in accordance with Section 3.08. Subservicing Agreement: The written contract between the Master Servicer and any Subservicer relating to servicing and administration of certain Mortgage Loans as provided in Section 3.02, generally in the form of the servicer contract referred to or contained in the Program Guide or in such other form as has been approved by the Master Servicer and the Company. With respect to Additional Collateral Loans subserviced by MLCC, the Subservicing Agreement shall also include the Addendum and Assignment Agreement and the Pledged Asset 31 Mortgage Servicing Agreement. With respect to any Pledged Asset Loan subserviced by GMAC Mortgage Corporation, the Addendum and Assignment Agreement, dated as of November 24, 1998, between the Master Servicer and GMAC Mortgage Corporation, as such agreement may be amended from time to time. Subservicing Fee: As to any Mortgage Loan, the fee payable monthly to the related Subservicer (or, in the case of a Nonsubserviced Mortgage Loan, to the Master Servicer) in respect of subservicing and other compensation that accrues at an annual rate equal to the excess of the Mortgage Rate borne by the related Mortgage Note over the rate per annum designated on the Mortgage Loan Schedule as the "CURR NET" for such Mortgage Loan. Successor Master Servicer: As defined in Section 3.22. Surety: Ambac, or its successors in interest, or such other surety as may be identified in the Series Supplement. Surety Bond: The Limited Purpose Surety Bond (Policy No. AB0039BE), dated February 28, 1996 in respect to Mortgage Loans originated by MLCC, or the Surety Bond (Policy No. AB0240BE), dated March 17, 1999 in respect to Mortgage Loans originated by Novus Financial Corporation, in each case issued by Ambac for the benefit of certain beneficiaries, including the Trustee for the benefit of the Holders of the Certificates, but only to the extent that such Surety Bond covers any Additional Collateral Loans, or such other Surety Bond as may be identified in the Series Supplement. Tax Returns: The federal income tax return on Internal Revenue Service Form 1066, U.S. Real Estate Mortgage Investment Conduit Income Tax Return, including Schedule Q thereto, Quarterly Notice to Residual Interest Holders of REMIC Taxable Income or Net Loss Allocation, or any successor forms, to be filed on behalf of any REMIC formed under the Series Supplement and under the REMIC Provisions, together with any and all other information, reports or returns that may be required to be furnished to the Certificateholders or filed with the Internal Revenue Service or any other governmental taxing authority under any applicable provisions of federal, state or local tax laws. Transfer: Any direct or indirect transfer, sale, pledge, hypothecation or other form of assignment of any Ownership Interest in a Certificate. Transferee: Any Person who is acquiring by Transfer any Ownership Interest in a Certificate. Transferor: Any Person who is disposing by Transfer of any Ownership Interest in a Certificate. Trust Fund: The segregated pool of assets related to a Series, with respect to which one or more REMIC elections are to be made pursuant to this Agreement, consisting of: (i) the Mortgage Loans and the related Mortgage Files and collateral securing such Mortgage Loans, 32 (ii) all payments on and collections in respect of the Mortgage Loans due after the Cut-off Date as shall be on deposit in the Custodial Account or in the Certificate Account and identified as belonging to the Trust Fund, including the proceeds from the liquidation of Additional Collateral for any Additional Collateral Loan or Pledged Assets for any Pledged Asset Loan, but not including amounts on deposit in the Initial Monthly Payment Fund, (iii) property that secured a Mortgage Loan and that has been acquired for the benefit of the Certificateholders by foreclosure or deed in lieu of foreclosure, (iv) the hazard insurance policies and Primary Insurance Policies, if any, the Pledged Assets with respect to each Pledged Asset Loan, and the interest in the Surety Bond transferred to the Trustee pursuant to Section 2.01, and (v) all proceeds of clauses (i) through (iv) above. Uniform Single Attestation Program for Mortgage Bankers: The Uniform Single Attestation Program for Mortgage Bankers, as published by the Mortgage Bankers Association of America and effective with respect to fiscal periods ending on or after December 15, 1995. Uninsured Cause: Any cause of damage to property subject to a Mortgage such that the complete restoration of such property is not fully reimbursable by the hazard insurance policies. United States Person or U.S. Person: (i) A citizen or resident of the United States, (ii) a corporation, partnership or other entity treated as a corporation or partnership for United States federal income tax purposes organized in or under the laws of the United States or any state thereof or the District of Columbia (unless, in the case of a partnership, Treasury regulations provide otherwise), provided that, for purposes solely of the restrictions on the transfer of residual interests, no partnership or other entity treated as a partnership for United States federal income tax purposes shall be treated as a United States Person or U.S. Person unless all persons that own an interest in such partnership either directly or indirectly through any chain of entities no one of which is a corporation for United States federal income tax purposes are required by the applicable operating agreement to be United States Persons, (iii) an estate the income of which is includible in gross income for United States tax purposes, regardless of its source, or (iv) a trust if a court within the United States is able to exercise primary supervision over the administration of the trust and one or more United States persons have authority to control all substantial decisions of the trust. Notwithstanding the preceding sentence, to the extent provided in Treasury regulations, certain Trusts in existence on August 20, 1996, and treated as United States persons prior to such date, that elect to continue to be treated as United States persons will also be a U.S. Person. U.S.A. Patriot Act: Uniting and Strengthening America by Providing Appropriate Tools to Intercept and Obstruct Terrorism Act of 2001, as amended. Voting Rights: The portion of the voting rights of all of the Certificates which is allocated to any Certificate, and more specifically designated in Article XI of the Series Supplement. 33 Section 1.02. Use of Words and Phrases. "Herein," "hereby," "hereunder," `hereof," "hereinbefore," "hereinafter" and other equivalent words refer to the Pooling and Servicing Agreement as a whole. All references herein to Articles, Sections or Subsections shall mean the corresponding Articles, Sections and Subsections in the Pooling and Servicing Agreement. The definitions set forth herein include both the singular and the plural. 34 ARTICLE II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES Section 2.01. Conveyance of Mortgage Loans. (a) The Company, concurrently with the execution and delivery hereof, does hereby assign to the Trustee for the benefit of the Certificateholders without recourse all the right, title and interest of the Company in and to the Mortgage Loans, including all interest and principal received on or with respect to the Mortgage Loans after the Cut-off Date (other than payments of principal and interest due on the Mortgage Loans in the month of the Cut-off Date). In connection with such transfer and assignment, the Company does hereby deliver to the Trustee the Certificate Policy (as defined in the Series Supplement), if any for the benefit of the Holders of the Insured Certificates (as defined in the Series Supplement). (b) In connection with such assignment, except as set forth in Section 2.01(c) and subject to Section 2.01(d) below, the Company does hereby deliver to, and deposit with, the Trustee, or to and with one or more Custodians, as the duly appointed agent or agents of the Trustee for such purpose, the following documents or instruments (or copies thereof as permitted by this Section) (I) with respect to each Mortgage Loan so assigned (other than a Cooperative Loan): (i) The original Mortgage Note, endorsed without recourse in blank or to the order of the Trustee, and showing an unbroken chain of endorsements from the originator thereof to the Person endorsing it to the Trustee, or with respect to any Destroyed Mortgage Note, an original lost note affidavit from the related Seller or Residential Funding stating that the original Mortgage Note was lost, misplaced or destroyed, together with a copy of the related Mortgage Note; (ii) The original Mortgage, noting the presence of the MIN of the Mortgage Loan and language indicating that the Mortgage Loan is a MOM Loan if the Mortgage Loan is a MOM Loan, with evidence of recording indicated thereon or a copy of the Mortgage with evidence of recording indicated thereon; (iii) Unless the Mortgage Loan is registered on the MERS(R) System, an original Assignment of the Mortgage to the Trustee with evidence of recording indicated thereon or a copy of such assignment with evidence of recording indicated thereon; (iv) The original recorded assignment or assignments of the Mortgage showing an unbroken chain of title from the originator thereof to the Person assigning it to the Trustee (or to MERS, if the Mortgage Loan is registered on the MERS(R) System and noting the presence of a MIN) with evidence of recordation noted thereon or attached thereto, or a copy of such assignment or assignments of the Mortgage with evidence of recording indicated thereon; and 35 (v) The original of each modification, assumption agreement or preferred loan agreement, if any, relating to such Mortgage Loan or a copy of each modification, assumption agreement or preferred loan agreement. and (II) with respect to each Cooperative Loan so assigned: (i) The original Mortgage Note, endorsed without recourse to the order of the Trustee and showing an unbroken chain of endorsements from the originator thereof to the Person endorsing it to the Trustee, or with respect to any Destroyed Mortgage Note, an original lost note affidavit from the related Seller or Residential Funding stating that the original Mortgage Note was lost, misplaced or destroyed, together with a copy of the related Mortgage Note; (ii) A counterpart of the Cooperative Lease and the Assignment of Proprietary Lease to the originator of the Cooperative Loan with intervening assignments showing an unbroken chain of title from such originator to the Trustee; (iii) The related Cooperative Stock Certificate, representing the related Cooperative Stock pledged with respect to such Cooperative Loan, together with an undated stock power (or other similar instrument) executed in blank; (iv) The original recognition agreement by the Cooperative of the interests of the mortgagee with respect to the related Cooperative Loan; (v) The Security Agreement; (vi) Copies of the original UCC-1 financing statement, and any continuation statements, filed by the originator of such Cooperative Loan as secured party, each with evidence of recording thereof, evidencing the interest of the originator under the Security Agreement and the Assignment of Proprietary Lease; (vii) Copies of the filed UCC-3 assignments of the security interest referenced in clause (vi) above showing an unbroken chain of title from the originator to the Trustee, each with evidence of recording thereof, evidencing the interest of the originator under the Security Agreement and the Assignment of Proprietary Lease; (viii) An executed assignment of the interest of the originator in the Security Agreement, Assignment of Proprietary Lease and the recognition agreement referenced in clause (iv) above, showing an unbroken chain of title from the originator to the Trustee; (ix) The original of each modification, assumption agreement or preferred loan agreement, if any, relating to such Cooperative Loan; and (x) A duly completed UCC-1 financing statement showing the Master Servicer as debtor, the Company as secured party and the Trustee as assignee and a duly completed UCC-1 financing statement showing the Company as debtor and the Trustee as secured party, each in a form sufficient for filing, evidencing the interest of such debtors in the Cooperative Loans. 36 (c) The Company may, in lieu of delivering the original of the documents set forth in Section 2.01(b)(I)(ii), (iii), (iv) and (v) and Section (b)(II)(ii), (iv), (vii), (ix) and (x) (or copies thereof as permitted by Section 2.01(b)) to the Trustee or the Custodian or Custodians, deliver such documents to the Master Servicer, and the Master Servicer shall hold such documents in trust for the use and benefit of all present and future Certificateholders until such time as is set forth in the next sentence. Within thirty Business Days following the earlier of (i) the receipt of the original of all of the documents or instruments set forth in Section 2.01(b)(I)(ii), (iii), (iv) and (v) and Section (b)(II)(ii), (iv), (vii), (ix) and (x) (or copies thereof as permitted by such Section) for any Mortgage Loan and (ii) a written request by the Trustee to deliver those documents with respect to any or all of the Mortgage Loans then being held by the Master Servicer, the Master Servicer shall deliver a complete set of such documents to the Trustee or the Custodian or Custodians that are the duly appointed agent or agents of the Trustee. The parties hereto agree that it is not intended that any Mortgage Loan be included in the Trust Fund that is either (i) a "High-Cost Home Loan" as defined in the New Jersey Home Ownership Act effective November 27, 2003 or (ii) a "High-Cost Home Loan" as defined in the New Mexico Home Loan Protection Act effective January 1, 2004. (d) Notwithstanding the provisions of Section 2.01(c), in connection with any Mortgage Loan, if the Company cannot deliver the original of the Mortgage, any assignment, modification, assumption agreement or preferred loan agreement (or copy thereof as permitted by Section 2.01(b)) with evidence of recording thereon concurrently with the execution and delivery of this Agreement because of (i) a delay caused by the public recording office where such Mortgage, assignment, modification, assumption agreement or preferred loan agreement as the case may be, has been delivered for recordation, or (ii) a delay in the receipt of certain information necessary to prepare the related assignments, the Company shall deliver or cause to be delivered to the Trustee or the respective Custodian a copy of such Mortgage, assignment, modification, assumption agreement or preferred loan agreement. The Company shall promptly cause to be recorded in the appropriate public office for real property records the Assignment referred to in clause (I)(iii) of Section 2.01(b), except (a) in states where, in the opinion of counsel acceptable to the Trustee and the Master Servicer, such recording is not required to protect the Trustee's interests in the Mortgage Loan against the claim of any subsequent transferee or any successor to or creditor of the Company or the originator of such Mortgage Loan or (b) if MERS is identified on the Mortgage or on a properly recorded assignment of the Mortgage as the mortgagee of record solely as nominee for the Seller and its successors and assigns, and shall promptly cause to be filed the Form UCC-3 assignment and UCC-1 financing statement referred to in clause (II)(vii) and (x), respectively, of Section 2.01(b). If any Assignment, Form UCC-3 or Form UCC-1, as applicable, is lost or returned unrecorded to the Company because of any defect therein, the Company shall prepare a substitute Assignment, Form UCC-3 or Form UCC-1, as applicable, or cure such defect, as the case may be, and cause such Assignment to be recorded in accordance with this paragraph. The Company shall promptly deliver or cause to be delivered to the Trustee or the respective Custodian such 37 Mortgage or Assignment or Form UCC-3 or Form UCC-1, as applicable, (or copy thereof as permitted by Section 2.01(b)) with evidence of recording indicated thereon at the time specified in Section 2.01(c). In connection with its servicing of Cooperative Loans, the Master Servicer will use its best efforts to file timely continuation statements with regard to each financing statement and assignment relating to Cooperative Loans as to which the related Cooperative Apartment is located outside of the State of New York. If the Company delivers to the Trustee or Custodian any Mortgage Note or Assignment of Mortgage in blank, the Company shall, or shall cause the Custodian to, complete the endorsement of the Mortgage Note and the Assignment of Mortgage in the name of the Trustee in conjunction with the Interim Certification issued by the Custodian, as contemplated by Section 2.02. Any of the items set forth in Sections 2.01(b)(I)(ii), (iii), (iv) and (v) and (II)(vi) and (vii) and that may be delivered as a copy rather than the original may be delivered to the Trustee or the Custodian. In connection with the assignment of any Mortgage Loan registered on the MERS(R) System, the Company further agrees that it will cause, at the Company's own expense, within 30 Business Days after the Closing Date, the MERS(R) System to indicate that such Mortgage Loans have been assigned by the Company to the Trustee in accordance with this Agreement for the benefit of the Certificateholders by including (or deleting, in the case of Mortgage Loans which are repurchased in accordance with this Agreement) in such computer files (a) the code in the field which identifies the specific Trustee and (b) the code in the field "Pool Field" which identifies the series of the Certificates issued in connection with such Mortgage Loans. The Company further agrees that it will not, and will not permit the Master Servicer to, and the Master Servicer agrees that it will not, alter the codes referenced in this paragraph with respect to any Mortgage Loan during the term of this Agreement unless and until such Mortgage Loan is repurchased in accordance with the terms of this Agreement. (e) Residential Funding hereby assigns to the Trustee its security interest in and to any Additional Collateral or Pledged Assets, its right to receive amounts due or to become due in respect of any Additional Collateral or Pledged Assets pursuant to the related Subservicing Agreement and its rights as beneficiary under the Surety Bond in respect of any Additional Collateral Loans. With respect to any Additional Collateral Loan or Pledged Asset Loan, Residential Funding shall cause to be filed in the appropriate recording office a UCC-3 statement giving notice of the assignment of the related security interest to the Trust Fund and shall thereafter cause the timely filing of all necessary continuation statements with regard to such financing statements. (f) It is intended that the conveyance by the Company to the Trustee of the Mortgage Loans as provided for in this Section 2.01 be and the Uncertificated REMIC Regular Interests, if any (as provided for in Section 2.06), be construed as a sale by the Company to the Trustee of the Mortgage Loans and any Uncertificated REMIC Regular Interests for the benefit of the Certificateholders. Further, it is not intended that such conveyance be deemed to be a pledge of the Mortgage Loans and any Uncertificated REMIC Regular Interests by the Company to the Trustee to secure a debt or other obligation of the Company. Nonetheless, (a) this Agreement is intended to be and hereby is a security agreement within the meaning of Articles 8 and 9 of the New York Uniform Commercial Code and the Uniform Commercial Code of any other applicable jurisdiction; (b) the conveyance provided for in Section 2.01 shall be deemed to 38 be, and hereby is, (1) a grant by the Company to the Trustee of a security interest in all of the Company's right (including the power to convey title thereto), title and interest, whether now owned or hereafter acquired, in and to any and all general intangibles, payment intangibles, accounts, chattel paper, instruments, documents, money, deposit accounts, certificates of deposit, goods, letters of credit, advices of credit and investment property and other property of whatever kind or description now existing or hereafter acquired consisting of, arising from or relating to any of the following: (A) the Mortgage Loans, including (i) with respect to each Cooperative Loan, the related Mortgage Note, Security Agreement, Assignment of Proprietary Lease, Cooperative Stock Certificate and Cooperative Lease, (ii) with respect to each Mortgage Loan other than a Cooperative Loan, the related Mortgage Note and Mortgage, and (iii) any insurance policies and all other documents in the related Mortgage File, (B) all amounts payable pursuant to the Mortgage Loans in accordance with the terms thereof, (C) any Uncertificated REMIC Regular Interests and (D) all proceeds of the conversion, voluntary or involuntary, of the foregoing into cash, instruments, securities or other property, including without limitation all amounts from time to time held or invested in the Certificate Account or the Custodial Account, whether in the form of cash, instruments, securities or other property and (2) an assignment by the Company to the Trustee of any security interest in any and all of Residential Funding's right (including the power to convey title thereto), title and interest, whether now owned or hereafter acquired, in and to the property described in the foregoing clauses (1)(A), (B), (C) and (D) granted by Residential Funding to the Company pursuant to the Assignment Agreement; (c) the possession by the Trustee, the Custodian or any other agent of the Trustee of Mortgage Notes or such other items of property as constitute instruments, money, payment intangibles, negotiable documents, goods, deposit accounts, letters of credit, advices of credit, investment property, certificated securities or chattel paper shall be deemed to be "possession by the secured party," or possession by a purchaser or a person designated by such secured party, for purposes of perfecting the security interest pursuant to the Minnesota Uniform Commercial Code and the Uniform Commercial Code of any other applicable jurisdiction as in effect (including, without limitation, Sections 8-106, 9-313, 9-314 and 9-106 thereof); and (d) notifications to persons holding such property, and acknowledgments, receipts or confirmations from persons holding such property, shall be deemed notifications to, or acknowledgments, receipts or confirmations from, securities intermediaries, bailees or agents of, or persons holding for (as applicable) the Trustee for the purpose of perfecting such security interest under applicable law. The Company and, at the Company's direction, Residential Funding and the Trustee shall, to the extent consistent with this Agreement, take such reasonable actions as may be necessary to ensure that, if this Agreement were determined to create a security interest in the Mortgage Loans, any Uncertificated REMIC Regular Interests and the other property described above, such security interest would be determined to be a perfected security interest of first priority under applicable law and will be maintained as such throughout the term of this Agreement. Without limiting the generality of the foregoing, the Company shall prepare and deliver to the Trustee not less than 15 days prior to any filing date and, the Trustee shall forward for filing, or shall cause to be forwarded for filing, at the expense of the Company, all filings necessary to maintain the effectiveness of any original filings necessary under the Uniform 39 Commercial Code as in effect in any jurisdiction to perfect the Trustee's security interest in or lien on the Mortgage Loans and any Uncertificated REMIC Regular Interests, as evidenced by an Officers' Certificate of the Company, including without limitation (x) continuation statements, and (y) such other statements as may be occasioned by (1) any change of name of Residential Funding, the Company or the Trustee (such preparation and filing shall be at the expense of the Trustee, if occasioned by a change in the Trustee's name), (2) any change of type or jurisdiction of organization of Residential Funding or the Company, (3) any transfer of any interest of Residential Funding or the Company in any Mortgage Loan or (4) any transfer of any interest of Residential Funding or the Company in any Uncertificated REMIC Regular Interest. (g) The Master Servicer hereby acknowledges the receipt by it of the Initial Monthly Payment Fund. The Master Servicer shall hold such Initial Monthly Payment Fund in the Custodial Account and shall include such Initial Monthly Payment Fund in the Available Distribution Amount for the initial Distribution Date. Notwithstanding anything herein to the contrary, the Initial Monthly Payment Fund shall not be an asset of any REMIC. To the extent that the Initial Monthly Payment Fund constitutes a reserve fund for federal income tax purposes, (1) it shall be an outside reserve fund and not an asset of any REMIC, (2) it shall be owned by the Seller and (3) amounts transferred by any REMIC to the Initial Monthly Payment Fund shall be treated as transferred to the Seller or any successor, all within the meaning of Section 1.860G-2(h) of the Treasury Regulations. (h) The Company agrees that the sale of each Pledged Asset Loan pursuant to this Agreement will also constitute the assignment, sale, setting-over, transfer and conveyance to the Trustee, without recourse (but subject to the Company's covenants, representations and warranties specifically provided herein), of all of the Company's obligations and all of the Company's right, title and interest in, to and under, whether now existing or hereafter acquired as owner of the Mortgage Loan with respect to any and all money, securities, security entitlements, accounts, general intangibles, payment intangibles, instruments, documents, deposit accounts, certificates of deposit, commodities contracts, and other investment property and other property of whatever kind or description consisting of, arising from or related to (i) the Assigned Contracts, (ii) all rights, powers and remedies of the Company as owner of such Mortgage Loan under or in connection with the Assigned Contracts, whether arising under the terms of such Assigned Contracts, by statute, at law or in equity, or otherwise arising out of any default by the Mortgagor under or in connection with the Assigned Contracts, including all rights to exercise any election or option or to make any decision or determination or to give or receive any notice, consent, approval or waiver thereunder, (iii) the Pledged Amounts and all money, securities, security entitlements, accounts, general intangibles, payment intangibles, instruments, documents, deposit accounts, certificates of deposit, commodities contracts, and other investment property and other property of whatever kind or description and all cash and non-cash proceeds of the sale, exchange, or redemption of, and all stock or conversion rights, rights to subscribe, liquidation dividends or preferences, stock dividends, rights to interest, dividends, earnings, income, rents, issues, profits, interest payments or other distributions of cash or other property that secures a Pledged Asset Loan, (iv) all documents, books and records concerning the foregoing (including all computer programs, tapes, disks and related items containing any such information) and (v) all insurance proceeds (including proceeds from the Federal Deposit Insurance Corporation or the Securities Investor Protection Corporation or any other insurance company) of any of the foregoing or replacements thereof or substitutions therefor, proceeds of 40 proceeds and the conversion, voluntary or involuntary, of any thereof. The foregoing transfer, sale, assignment and conveyance does not constitute and is not intended to result in the creation, or an assumption by the Trustee, of any obligation of the Company, or any other person in connection with the Pledged Assets or under any agreement or instrument relating thereto, including any obligation to the Mortgagor, other than as owner of the Mortgage Loan. Section 2.02. Acceptance by Trustee. The Trustee acknowledges receipt (or, with respect to Mortgage Loans subject to a Custodial Agreement, and based solely upon a receipt or certification executed by the Custodian, receipt by the respective Custodian as the duly appointed agent of the Trustee) of the documents referred to in Section 2.01(b)(i) above (except that for purposes of such acknowledgement only, a Mortgage Note may be endorsed in blank) and declares that it, or a Custodian as its agent, holds and will hold such documents and the other documents constituting a part of the Mortgage Files delivered to it, or a Custodian as its agent, and the rights of Residential Funding with respect to any Pledged Assets, Additional Collateral and the Surety Bond assigned to the Trustee pursuant to Section 2.01, in trust for the use and benefit of all present and future Certificateholders. The Trustee or Custodian (such Custodian being so obligated under a Custodial Agreement) agrees, for the benefit of Certificateholders, to review each Mortgage File delivered to it pursuant to Section 2.01(b) within 45 days after the Closing Date to ascertain that all required documents (specifically as set forth in Section 2.01(b)), have been executed and received, and that such documents relate to the Mortgage Loans identified on the Mortgage Loan Schedule, as supplemented, that have been conveyed to it, and to deliver to the Trustee a certificate (the "Interim Certification") to the effect that all documents required to be delivered pursuant to Section 2.01(b) above have been executed and received and that such documents relate to the Mortgage Loans identified on the Mortgage Loan Schedule, except for any exceptions listed on Schedule A attached to such Interim Certification. Upon delivery of the Mortgage Files by the Company or the Master Servicer, the Trustee shall acknowledge receipt (or, with respect to Mortgage Loans subject to a Custodial Agreement, and based solely upon a receipt or certification executed by the Custodian, receipt by the respective Custodian as the duly appointed agent of the Trustee) of the documents referred to in Section 2.01(c) above. If the Custodian, as the Trustee's agent, finds any document or documents constituting a part of a Mortgage File to be missing or defective, the Trustee shall promptly so notify the Master Servicer and the Company. Pursuant to Section 2.3 of the Custodial Agreement, the Custodian will notify the Master Servicer, the Company and the Trustee of any such omission or defect found by it in respect of any Mortgage File held by it in respect of the items reviewed by it pursuant to the Custodial Agreement. If such omission or defect materially and adversely affects the interests of the Certificateholders, the Master Servicer shall promptly notify the related Subservicer or Seller of such omission or defect and request that such Subservicer or Seller correct or cure such omission or defect within 60 days from the date the Master Servicer was notified of such omission or defect and, if such Subservicer or Seller does not correct or cure such omission or defect within such period, that such Subservicer or Seller purchase such Mortgage Loan from the Trust Fund at its Purchase Price, in either case within 90 days from the date the Master Servicer was notified of such omission or defect; provided that if the omission or defect would cause the Mortgage Loan to be other than a "qualified mortgage" as defined in Section 860G(a)(3) of the Code, any such cure or repurchase must occur within 90 days from the date such breach was discovered. The Purchase Price for any such Mortgage Loan, whether purchased by the Seller or the Subservicer, shall be deposited or caused to be deposited by the Master Servicer in the Custodial Account maintained by it pursuant to Section 3.07 and, upon receipt by the Trustee of written notification of such deposit signed by a Servicing Officer, the Trustee or any Custodian, as the case may be, shall release to the Master 41 Servicer the related Mortgage File and the Trustee shall execute and deliver such instruments of transfer or assignment prepared by the Master Servicer, in each case without recourse, as shall be necessary to vest in the Seller or its designee or the Subservicer or its designee, as the case may be, any Mortgage Loan released pursuant hereto and thereafter such Mortgage Loan shall not be part of the Trust Fund. In furtherance of the foregoing, if the Subservicer or Seller that repurchases the Mortgage Loan is not a member of MERS and the Mortgage is registered on the MERS(R) System, the Master Servicer, at its own expense and without any right of reimbursement, shall cause MERS to execute and deliver an assignment of the Mortgage in recordable form to transfer the Mortgage from MERS to such Subservicer or Seller and shall cause such Mortgage to be removed from registration on the MERS(R) System in accordance with MERS' rules and regulations. It is understood and agreed that the obligation of the Seller or the Subservicer, as the case may be, to so cure or purchase any Mortgage Loan as to which a material and adverse defect in or omission of a constituent document exists shall constitute the sole remedy respecting such defect or omission available to Certificateholders or the Trustee on behalf of the Certificateholders. Section 2.03. Representations, Warranties and Covenants of the Master Servicer and the Company. (a) The Master Servicer hereby represents and warrants to the Trustee for the benefit of the Certificateholders that: (i) The Master Servicer is a corporation duly organized, validly existing and in good standing under the laws governing its creation and existence and is or will be in compliance with the laws of each state in which any Mortgaged Property is located to the extent necessary to ensure the enforceability of each Mortgage Loan in accordance with the terms of this Agreement; (ii) The execution and delivery of this Agreement by the Master Servicer and its performance and compliance with the terms of this Agreement will not violate the Master Servicer's Certificate of Incorporation or Bylaws or constitute a material default (or an event which, with notice or lapse of time, or both, would constitute a material default) under, or result in the material breach of, any material contract, agreement or other instrument to which the Master Servicer is a party or which may be applicable to the Master Servicer or any of its assets; (iii) This Agreement, assuming due authorization, execution and delivery by the Trustee and the Company, constitutes a valid, legal and binding obligation of the Master Servicer, enforceable against it in accordance with the terms hereof subject to applicable bankruptcy, insolvency, reorganization, moratorium and other laws affecting the enforcement of creditors' rights generally and to general principles of equity, regardless of whether such enforcement is considered in a proceeding in equity or at law; 42 (iv) The Master Servicer is not in default with respect to any order or decree of any court or any order, regulation or demand of any federal, state, municipal or governmental agency, which default might have consequences that would materially and adversely affect the condition (financial or other) or operations of the Master Servicer or its properties or might have consequences that would materially adversely affect its performance hereunder; (v) No litigation is pending or, to the best of the Master Servicer's knowledge, threatened against the Master Servicer which would prohibit its entering into this Agreement or performing its obligations under this Agreement; (vi) The Master Servicer will comply in all material respects in the performance of this Agreement with all reasonable rules and requirements of each insurer under each Required Insurance Policy; (vii) No information, certificate of an officer, statement furnished in writing or report delivered to the Company, any Affiliate of the Company or the Trustee by the Master Servicer will, to the knowledge of the Master Servicer, contain any untrue statement of a material fact or omit a material fact necessary to make the information, certificate, statement or report not misleading; (viii) The Master Servicer has examined each existing, and will examine each new, Subservicing Agreement and is or will be familiar with the terms thereof. The terms of each existing Subservicing Agreement and each designated Subservicer are acceptable to the Master Servicer and any new Subservicing Agreements will comply with the provisions of Section 3.02; and (ix) The Master Servicer is a member of MERS in good standing, and will comply in all material respects with the rules and procedures of MERS in connection with the servicing of the Mortgage Loans that are registered with MERS. It is understood and agreed that the representations and warranties set forth in this Section 2.03(a) shall survive delivery of the respective Mortgage Files to the Trustee or any Custodian. Upon discovery by either the Company, the Master Servicer, the Trustee or any Custodian of a breach of any representation or warranty set forth in this Section 2.03(a) which materially and adversely affects the interests of the Certificateholders in any Mortgage Loan, the party discovering such breach shall give prompt written notice to the other parties (any Custodian being so obligated under a Custodial Agreement). Within 90 days of its discovery or its receipt of notice of such breach, the Master Servicer shall either (i) cure such breach in all material respects or (ii) to the extent that such breach is with respect to a Mortgage Loan or a related document, purchase such Mortgage Loan from the Trust Fund at the Purchase Price and in the manner set forth in Section 2.02; provided that if the omission or defect would cause the Mortgage Loan to be other than a "qualified mortgage" as defined in Section 860G(a)(3) of the 43 Code, any such cure or repurchase must occur within 90 days from the date such breach was discovered. The obligation of the Master Servicer to cure such breach or to so purchase such Mortgage Loan shall constitute the sole remedy in respect of a breach of a representation and warranty set forth in this Section 2.03(a) available to the Certificateholders or the Trustee on behalf of the Certificateholders. (b) Representations and warranties relating to the Mortgage Loans are set forth in Section 2.03(b) of the Series Supplement. Section 2.04. Representations and Warranties of Sellers. The Company, as assignee of Residential Funding under the Assignment Agreement, hereby assigns to the Trustee for the benefit of Certificateholders all of its right, title and interest in respect of the Assignment Agreement and each Seller's Agreement applicable to a Mortgage Loan. Insofar as the Assignment Agreement or the Company's rights under such Seller's Agreement relate to the representations and warranties made by Residential Funding or the related Seller in respect of such Mortgage Loan and any remedies provided thereunder for any breach of such representations and warranties, such right, title and interest may be enforced by the Master Servicer on behalf of the Trustee and the Certificateholders. Upon the discovery by the Company, the Master Servicer, the Trustee or any Custodian of a breach of any of the representations and warranties made in a Seller's Agreement that have been assigned to the Trustee pursuant to this Section 2.04 or of a breach of any of the representations and warranties made in the Assignment Agreement (which, for purposes hereof, will be deemed to include any other cause giving rise to a repurchase obligation under the Assignment Agreement) in respect of any Mortgage Loan which materially and adversely affects the interests of the Certificateholders in such Mortgage Loan, the party discovering such breach shall give prompt written notice to the other parties (any Custodian being so obligated under a Custodial Agreement). The Master Servicer shall promptly notify the related Seller or Residential Funding, as the case may be, of such breach and request that such Seller or Residential Funding, as the case may be, either (i) cure such breach in all material respects within 90 days from the date the Master Servicer was notified of such breach or (ii) purchase such Mortgage Loan from the Trust Fund at the Purchase Price and in the manner set forth in Section 2.02; provided that in the case of a breach under the Assignment Agreement Residential Funding shall have the option to substitute a Qualified Substitute Mortgage Loan or Loans for such Mortgage Loan if such substitution occurs within two years following the Closing Date; provided that if the breach would cause the Mortgage Loan to be other than a "qualified mortgage" as defined in Section 860G(a)(3) of the Code, any such cure, repurchase or substitution must occur within 90 days from the date the breach was discovered. If a breach of the Compliance With Laws Representation has given rise to the obligation to repurchase or substitute a Mortgage Loan pursuant to Section 4 of the Assignment Agreement, then the Master Servicer shall request that Residential Funding pay to the Trust Fund, concurrently with and in addition to the remedies provided in the preceding sentence, an amount equal to any liability, penalty or expense that was actually incurred and paid out of or on behalf of the Trust Fund, and that directly resulted from such breach, or if incurred and paid by the Trust Fund thereafter, concurrently with such payment. In the event that Residential Funding elects to substitute a Qualified Substitute Mortgage Loan or Loans for a Deleted Mortgage Loan pursuant to this Section 2.04, Residential Funding shall deliver to the Trustee or the Custodian for the benefit of the Certificateholders with respect to such Qualified Substitute Mortgage Loan or Loans, the original Mortgage Note, the Mortgage, an Assignment of the Mortgage in recordable form, if required pursuant to Section 2.01, and such other documents and agreements as are required by 44 Section 2.01, with the Mortgage Note endorsed as required by Section 2.01. No substitution will be made in any calendar month after the Determination Date for such month. Monthly Payments due with respect to Qualified Substitute Mortgage Loans in the month of substitution shall not be part of the Trust Fund and will be retained by the Master Servicer and remitted by the Master Servicer to Residential Funding on the next succeeding Distribution Date. For the month of substitution, distributions to the Certificateholders will include the Monthly Payment due on a Deleted Mortgage Loan for such month and thereafter Residential Funding shall be entitled to retain all amounts received in respect of such Deleted Mortgage Loan. The Master Servicer shall amend or cause to be amended the Mortgage Loan Schedule, and, if the Deleted Mortgage Loan was a Discount Mortgage Loan, the Schedule of Discount Fractions, for the benefit of the Certificateholders to reflect the removal of such Deleted Mortgage Loan and the substitution of the Qualified Substitute Mortgage Loan or Loans and the Master Servicer shall deliver the amended Mortgage Loan Schedule, and, if the Deleted Mortgage Loan was a Discount Mortgage Loan, the amended Schedule of Discount Fractions, to the Trustee. Upon such substitution, the Qualified Substitute Mortgage Loan or Loans shall be subject to the terms of this Agreement and the related Subservicing Agreement in all respects, the related Seller shall be deemed to have made the representations and warranties with respect to the Qualified Substitute Mortgage Loan contained in the related Seller's Agreement as of the date of substitution, insofar as Residential Funding's rights in respect of such representations and warranties are assigned to the Company pursuant to the Assignment Agreement, and the Company and the Master Servicer shall be deemed to have made with respect to any Qualified Substitute Mortgage Loan or Loans, as of the date of substitution, the covenants, representations and warranties set forth in this Section 2.04, in Section 2.03 hereof and in Section 4 of the Assignment Agreement, and the Master Servicer shall be obligated to repurchase or substitute for any Qualified Substitute Mortgage Loan as to which a Repurchase Event (as defined in the Assignment Agreement) has occurred pursuant to Section 4 of the Assignment Agreement. In connection with the substitution of one or more Qualified Substitute Mortgage Loans for one or more Deleted Mortgage Loans, the Master Servicer will determine the amount (if any) by which the aggregate principal balance of all such Qualified Substitute Mortgage Loans as of the date of substitution is less than the aggregate Stated Principal Balance of all such Deleted Mortgage Loans (in each case after application of the principal portion of the Monthly Payments due in the month of substitution that are to be distributed to the Certificateholders in the month of substitution). Residential Funding shall deposit the amount of such shortfall into the Custodial Account on the day of substitution, without any reimbursement therefor. Residential Funding shall give notice in writing to the Trustee of such event, which notice shall be accompanied by an Officers' Certificate as to the calculation of such shortfall and (subject to Section 10.01(f)) by an Opinion of Counsel to the effect that such substitution will not cause (a) any federal tax to be imposed on the Trust Fund, including without limitation, any federal tax imposed on "prohibited transactions" under Section 860F(a)(1) of the Code or on "contributions after the startup date" under Section 860G(d)(1) of the Code or (b) any portion of any REMIC to fail to qualify as such at any time that any Certificate is outstanding. It is understood and agreed that the obligation of the Seller or Residential Funding, as the case may be, to cure such breach or purchase (or in the case of Residential Funding to substitute for) such Mortgage Loan as to which such a breach has occurred and is continuing and to make any additional payments required under the Assignment Agreement in connection with a breach of the Compliance With Laws Representation shall constitute the sole remedy 45 respecting such breach available to the Certificateholders or the Trustee on behalf of Certificateholders. If the Master Servicer is Residential Funding, then the Trustee shall also have the right to give the notification and require the purchase or substitution provided for in the second preceding paragraph in the event of such a breach of a representation or warranty made by Residential Funding in the Assignment Agreement. In connection with the purchase of or substitution for any such Mortgage Loan by Residential Funding, the Trustee shall assign to Residential Funding all of the Trustee's right, title and interest in respect of the Seller's Agreement and the Assignment Agreement applicable to such Mortgage Loan. Section 2.05. Execution and Authentication of Certificates/Issuance of Certificates Evidencing Interests in REMIC I Certificates. As provided in Section 2.05 of the Series Supplement. Section 2.06. Conveyance of Uncertificated REMIC I and REMIC II Regular Interests; Acceptance by the Trustee. As provided in Section 2.06 of the Series Supplement. Section 2.07. Issuance of Certificates Evidencing Interests in REMIC II. As provided in Section 2.07 of the Series Supplement. Section 2.08. Purposes and Powers of the Trust. The purpose of the trust, as created hereunder, is to engage in the following activities: (a) to sell the Certificates to the Company in exchange for the Mortgage Loans; (b) to enter into and perform its obligations under this Agreement; (c) to engage in those activities that are necessary, suitable or convenient to accomplish the foregoing or are incidental thereto or connected therewith; and (d) subject to compliance with this Agreement, to engage in such other activities as may be required in connection with conservation of the Trust Fund and the making of distributions to the Certificateholders. The trust is hereby authorized to engage in the foregoing activities. Notwithstanding the provisions of Section 11.01, the trust shall not engage in any activity other than in connection with the foregoing or other than as required or authorized by the terms of this Agreement while any Certificate is outstanding, and this Section 2.08 may not be amended, without the consent of the Certificateholders evidencing a majority of the aggregate Voting Rights of the Certificates. 46 ARTICLE III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS Section 3.01. Master Servicer to Act as Servicer. (a) The Master Servicer shall service and administer the Mortgage Loans in accordance with the terms of this Agreement and the respective Mortgage Loans and shall have full power and authority, acting alone or through Subservicers as provided in Section 3.02, to do any and all things which it may deem necessary or desirable in connection with such servicing and administration. Without limiting the generality of the foregoing, the Master Servicer in its own name or in the name of a Subservicer is hereby authorized and empowered by the Trustee when the Master Servicer or the Subservicer, as the case may be, believes it appropriate in its best judgment, to execute and deliver, on behalf of the Certificateholders and the Trustee or any of them, any and all instruments of satisfaction or cancellation, or of partial or full release or discharge, or of consent to assumption or modification in connection with a proposed conveyance, or of assignment of any Mortgage and Mortgage Note in connection with the repurchase of a Mortgage Loan and all other comparable instruments, or with respect to the modification or re-recording of a Mortgage for the purpose of correcting the Mortgage, the subordination of the lien of the Mortgage in favor of a public utility company or government agency or unit with powers of eminent domain, the taking of a deed in lieu of foreclosure, the commencement, prosecution or completion of judicial or non-judicial foreclosure, the conveyance of a Mortgaged Property to the related Insurer, the acquisition of any property acquired by foreclosure or deed in lieu of foreclosure, or the management, marketing and conveyance of any property acquired by foreclosure or deed in lieu of foreclosure with respect to the Mortgage Loans and with respect to the Mortgaged Properties. The Master Servicer further is authorized and empowered by the Trustee, on behalf of the Certificateholders and the Trustee, in its own name or in the name of the Subservicer, when the Master Servicer or the Subservicer, as the case may be, believes it appropriate in its best judgment to register any Mortgage Loan on the MERS(R) System, or cause the removal from the registration of any Mortgage Loan on the MERS(R) System, to execute and deliver, on behalf of the Trustee and the Certificateholders or any of them, any and all instruments of assignment and other comparable instruments with respect to such assignment or re-recording of a Mortgage in the name of MERS, solely as nominee for the Trustee and its successors and assigns. Any expenses incurred in connection with the actions described in the preceding sentence shall be borne by the Master Servicer in accordance with Section 3.16(c), with no right of reimbursement; provided, that if, as a result of MERS discontinuing or becoming unable to continue operations in connection with the MERS System, it becomes necessary to remove any Mortgage Loan from registration on the MERS System and to arrange for the assignment of the related Mortgages to the Trustee, then any related expenses shall be reimbursable to the Master Servicer. Notwithstanding the foregoing, subject to Section 3.07(a), the Master Servicer shall not permit any modification with respect to any Mortgage Loan that would both constitute a sale or exchange of such Mortgage Loan within the meaning of Section 1001 of the Code and any proposed, temporary or final regulations promulgated thereunder (other than in connection with a proposed conveyance or assumption of such Mortgage Loan that is treated as a Principal 47 Prepayment in Full pursuant to Section 3.13(d) hereof) and cause any REMIC formed under the Series Supplement to fail to qualify as a REMIC under the Code. The Trustee shall furnish the Master Servicer with any powers of attorney and other documents necessary or appropriate to enable the Master Servicer to service and administer the Mortgage Loans. The Trustee shall not be liable for any action taken by the Master Servicer or any Subservicer pursuant to such powers of attorney. In servicing and administering any Nonsubserviced Mortgage Loan, the Master Servicer shall, to the extent not inconsistent with this Agreement, comply with the Program Guide as if it were the originator of such Mortgage Loan and had retained the servicing rights and obligations in respect thereof. In connection with servicing and administering the Mortgage Loans, the Master Servicer and any Affiliate of the Master Servicer (i) may perform services such as appraisals and brokerage services that are not customarily provided by servicers of mortgage loans, and shall be entitled to reasonable compensation therefor in accordance with Section 3.10 and (ii) may, at its own discretion and on behalf of the Trustee, obtain credit information in the form of a "credit score" from a credit repository. (b) All costs incurred by the Master Servicer or by Subservicers in effecting the timely payment of taxes and assessments on the properties subject to the Mortgage Loans shall not, for the purpose of calculating monthly distributions to the Certificateholders, be added to the amount owing under the related Mortgage Loans, notwithstanding that the terms of such Mortgage Loan so permit, and such costs shall be recoverable to the extent permitted by Section 3.10(a)(ii). (c) The Master Servicer may enter into one or more agreements in connection with the offering of pass-through certificates evidencing interests in one or more of the Certificates providing for the payment by the Master Servicer of amounts received by the Master Servicer as servicing compensation hereunder and required to cover certain Prepayment Interest Shortfalls on the Mortgage Loans, which payment obligation will thereafter be an obligation of the Master Servicer hereunder. Section 3.02. Subservicing Agreements Between Master Servicer and Subservicers; Enforcement of Subservicers' and Sellers' Obligations. (a) The Master Servicer may continue in effect Subservicing Agreements entered into by Residential Funding and Subservicers prior to the execution and delivery of this Agreement, and may enter into new Subservicing Agreements with Subservicers, for the servicing and administration of all or some of the Mortgage Loans. Each Subservicer of a Mortgage Loan shall be entitled to receive and retain, as provided in the related Subservicing Agreement and in Section 3.07, the related Subservicing Fee from payments of interest received on such Mortgage Loan after payment of all amounts required to be remitted to the Master Servicer in respect of such Mortgage Loan. For any Mortgage Loan that is a Nonsubserviced Mortgage Loan, the Master Servicer shall be entitled to receive and retain an amount equal to the Subservicing Fee from payments of interest. Unless the context otherwise requires, references in this Agreement to actions taken or to be taken by the Master Servicer in servicing the Mortgage Loans include actions taken or to be taken by a Subservicer on behalf of the Master Servicer. Each Subservicing Agreement will be upon such terms and conditions as are generally required or permitted by the Program Guide and are not inconsistent with this Agreement and as the Master Servicer and the Subservicer have agreed. A representative form of Subservicing Agreement is attached hereto 48 as Exhibit E. With the approval of the Master Servicer, a Subservicer may delegate its servicing obligations to third-party servicers, but such Subservicer will remain obligated under the related Subservicing Agreement. The Master Servicer and a Subservicer may enter into amendments thereto or a different form of Subservicing Agreement, and the form referred to or included in the Program Guide is merely provided for information and shall not be deemed to limit in any respect the discretion of the Master Servicer to modify or enter into different Subservicing Agreements; provided, however, that any such amendments or different forms shall be consistent with and not violate the provisions of either this Agreement or the Program Guide in a manner which would materially and adversely affect the interests of the Certificateholders. The Program Guide and any other Subservicing Agreement entered into between the Master Servicer and any Subservicer shall require the Subservicer to accurately and fully report its borrower credit files to each of the Credit Repositories in a timely manner. (b) As part of its servicing activities hereunder, the Master Servicer, for the benefit of the Trustee and the Certificateholders, shall use its best reasonable efforts to enforce the obligations of each Subservicer under the related Subservicing Agreement and of each Seller under the related Seller's Agreement insofar as the Company's rights with respect to Seller's obligation has been assigned to the Trustee hereunder, to the extent that the non-performance of any such Seller's obligation would have a material and adverse effect on a Mortgage Loan, including, without limitation, the obligation to purchase a Mortgage Loan on account of defective documentation, as described in Section 2.02, or on account of a breach of a representation or warranty, as described in Section 2.04. Such enforcement, including, without limitation, the legal prosecution of claims, termination of Subservicing Agreements or Seller's Agreements, as appropriate, and the pursuit of other appropriate remedies, shall be in such form and carried out to such an extent and at such time as the Master Servicer would employ in its good faith business judgment and which are normal and usual in its general mortgage servicing activities. The Master Servicer shall pay the costs of such enforcement at its own expense, and shall be reimbursed therefor only (i) from a general recovery resulting from such enforcement to the extent, if any, that such recovery exceeds all amounts due in respect of the related Mortgage Loan or (ii) from a specific recovery of costs, expenses or attorneys fees against the party against whom such enforcement is directed. For purposes of clarification only, the parties agree that the foregoing is not intended to, and does not, limit the ability of the Master Servicer to be reimbursed for expenses that are incurred in connection with the enforcement of a Seller's obligations (insofar as the Company's rights with respect to such Seller's obligations have been assigned to the Trustee hereunder) and are reimbursable pursuant to Section 3.10(a)(viii). Section 3.03. Successor Subservicers. The Master Servicer shall be entitled to terminate any Subservicing Agreement that may exist in accordance with the terms and conditions of such Subservicing Agreement and without any limitation by virtue of this Agreement; provided, however, that in the event of termination of any Subservicing Agreement by the Master Servicer or the Subservicer, the Master Servicer shall either act as servicer of the related Mortgage Loan or enter into a Subservicing Agreement with a successor Subservicer which will be bound by the terms of the related Subservicing Agreement. If the Master Servicer or any Affiliate of Residential Funding acts as servicer, it will not assume liability for the representations and warranties of the Subservicer which it replaces. If the Master Servicer enters into a Subservicing Agreement with a successor 49 Subservicer, the Master Servicer shall use reasonable efforts to have the successor Subservicer assume liability for the representations and warranties made by the terminated Subservicer in respect of the related Mortgage Loans and, in the event of any such assumption by the successor Subservicer, the Master Servicer may, in the exercise of its business judgment, release the terminated Subservicer from liability for such representations and warranties. Section 3.04. Liability of the Master Servicer. Notwithstanding any Subservicing Agreement, any of the provisions of this Agreement relating to agreements or arrangements between the Master Servicer or a Subservicer or reference to actions taken through a Subservicer or otherwise, the Master Servicer shall remain obligated and liable to the Trustee and the Certificateholders for the servicing and administering of the Mortgage Loans in accordance with the provisions of Section 3.01 without diminution of such obligation or liability by virtue of such Subservicing Agreements or arrangements or by virtue of indemnification from the Subservicer or the Company and to the same extent and under the same terms and conditions as if the Master Servicer alone were servicing and administering the Mortgage Loans. The Master Servicer shall be entitled to enter into any agreement with a Subservicer or Seller for indemnification of the Master Servicer and nothing contained in this Agreement shall be deemed to limit or modify such indemnification. Section 3.05. No Contractual Relationship Between Subservicer and Trustee or Certificateholders. Any Subservicing Agreement that may be entered into and any other transactions or services relating to the Mortgage Loans involving a Subservicer in its capacity as such and not as an originator shall be deemed to be between the Subservicer and the Master Servicer alone and the Trustee and the Certificateholders shall not be deemed parties thereto and shall have no claims, rights, obligations, duties or liabilities with respect to the Subservicer in its capacity as such except as set forth in Section 3.06. The foregoing provision shall not in any way limit a Subservicer's obligation to cure an omission or defect or to repurchase a Mortgage Loan as referred to in Section 2.02 hereof. Section 3.06. Assumption or Termination of Subservicing Agreements by Trustee. (a) If the Master Servicer shall for any reason no longer be the master servicer (including by reason of an Event of Default), the Trustee, its designee or its successor shall thereupon assume all of the rights and obligations of the Master Servicer under each Subservicing Agreement that may have been entered into. The Trustee, its designee or the successor servicer for the Trustee shall be deemed to have assumed all of the Master Servicer's interest therein and to have replaced the Master Servicer as a party to the Subservicing Agreement to the same extent as if the Subservicing Agreement had been assigned to the assuming party except that the Master Servicer shall not thereby be relieved of any liability or obligations under the Subservicing Agreement. (b) The Master Servicer shall, upon request of the Trustee but at the expense of the Master Servicer, deliver to the assuming party all documents and records 50 relating to each Subservicing Agreement and the Mortgage Loans then being serviced and an accounting of amounts collected and held by it and otherwise use its best efforts to effect the orderly and efficient transfer of each Subservicing Agreement to the assuming party. Section 3.07. Collection of Certain Mortgage Loan Payments; Deposits to Custodial Account. (a) The Master Servicer shall make reasonable efforts to collect all payments called for under the terms and provisions of the Mortgage Loans, and shall, to the extent such procedures shall be consistent with this Agreement and the terms and provisions of any related Primary Insurance Policy, follow such collection procedures as it would employ in its good faith business judgment and which are normal and usual in its general mortgage servicing activities. Consistent with the foregoing, the Master Servicer may in its discretion (i) waive any late payment charge or any prepayment charge or penalty interest in connection with the prepayment of a Mortgage Loan and (ii) extend the Due Date for payments due on a Mortgage Loan in accordance with the Program Guide; provided, however, that the Master Servicer shall first determine that any such waiver or extension will not impair the coverage of any related Primary Insurance Policy or materially adversely affect the lien of the related Mortgage. Notwithstanding anything in this Section to the contrary, the Master Servicer shall not enforce any prepayment charge to the extent that such enforcement would violate any applicable law. In the event of any such arrangement, the Master Servicer shall make timely advances on the related Mortgage Loan during the scheduled period in accordance with the amortization schedule of such Mortgage Loan without modification thereof by reason of such arrangements unless otherwise agreed to by the Holders of the Classes of Certificates affected thereby; provided, however, that no such extension shall be made if any such advance would be a Nonrecoverable Advance. Consistent with the terms of this Agreement, the Master Servicer may also waive, modify or vary any term of any Mortgage Loan or consent to the postponement of strict compliance with any such term or in any manner grant indulgence to any Mortgagor if in the Master Servicer's determination such waiver, modification, postponement or indulgence is not materially adverse to the interests of the Certificateholders (taking into account any estimated Realized Loss that might result absent such action); provided, however, that the Master Servicer may not modify materially or permit any Subservicer to modify any Mortgage Loan, including without limitation any modification that would change the Mortgage Rate, forgive the payment of any principal or interest (unless in connection with the liquidation of the related Mortgage Loan or except in connection with prepayments to the extent that such reamortization is not inconsistent with the terms of the Mortgage Loan), capitalize any amounts owing on the Mortgage Loan by adding such amount to the outstanding principal balance of the Mortgage Loan, or extend the final maturity date of such Mortgage Loan, unless such Mortgage Loan is in default or, in the judgment of the Master Servicer, such default is reasonably foreseeable; provided, further, that (1) no such modification shall reduce the interest rate on a Mortgage Loan below one-half of the Mortgage Rate as in effect on the Cut-off Date, but not less than the sum of the rates at which the Servicing Fee and the Subservicing Fee with respect to such Mortgage Loan accrues plus the rate at which the premium paid to the Certificate Insurer, if any, accrues, (2) the final maturity date for any Mortgage Loan shall not be extended beyond the Maturity Date, (3) the Stated Principal Balance of all Reportable Modified Mortgage Loans subject to Servicing Modifications (measured at the time of the Servicing Modification and after giving effect to any 51 Servicing Modification) can be no more than five percent of the aggregate principal balance of the Mortgage Loans as of the Cut-off Date, unless such limit is increased from time to time with the consent of the Rating Agencies and the Certificate Insurer, if any. In addition, any amounts owing on a Mortgage Loan added to the outstanding principal balance of such Mortgage Loan must be fully amortized over the remaining term of such Mortgage Loan, and such amounts may be added to the outstanding principal balance of a Mortgage Loan only once during the life of such Mortgage Loan. Also, the addition of such amounts described in the preceding sentence shall be implemented in accordance with the Program Guide and may be implemented only by Subservicers that have been approved by the Master Servicer for such purpose. In connection with any Curtailment of a Mortgage Loan, the Master Servicer, to the extent not inconsistent with the terms of the Mortgage Note and local law and practice, may permit the Mortgage Loan to be reamortized such that the Monthly Payment is recalculated as an amount that will fully amortize the remaining Stated Principal Balance thereof by the original Maturity Date based on the original Mortgage Rate; provided, that such re-amortization shall not be permitted if it would constitute a reissuance of the Mortgage Loan for federal income tax purposes, except if such reissuance is described in Treasury Regulation Section 1.860G-2(b)(3). (b) The Master Servicer shall establish and maintain a Custodial Account in which the Master Servicer shall deposit or cause to be deposited on a daily basis, except as otherwise specifically provided herein, the following payments and collections remitted by Subservicers or received by it in respect of the Mortgage Loans subsequent to the Cut-off Date (other than in respect of principal and interest on the Mortgage Loans due on or before the Cut-off Date): (i) All payments on account of principal, including Principal Prepayments made by Mortgagors on the Mortgage Loans and the principal component of any Subservicer Advance or of any REO Proceeds received in connection with an REO Property for which an REO Disposition has occurred; (ii) All payments on account of interest at the Adjusted Mortgage Rate on the Mortgage Loans, including Buydown Funds, if any, and the interest component of any Subservicer Advance or of any REO Proceeds received in connection with an REO Property for which an REO Disposition has occurred; (iii) Insurance Proceeds, Subsequent Recoveries and Liquidation Proceeds (net of any related expenses of the Subservicer); (iv) All proceeds of any Mortgage Loans purchased pursuant to Section 2.02, 2.03, 2.04 or 4.07 (including amounts received from Residential Funding pursuant to the last paragraph of Section 4 of the Assignment Agreement in respect of any liability, penalty or expense that resulted from a breach of the Compliance With Laws Representation and all amounts required to be deposited in connection with the substitution of a Qualified Substitute Mortgage Loan pursuant to Section 2.03 or 2.04; (v) Any amounts required to be deposited pursuant to Section 3.07(c) or 3.21; (vi) All amounts transferred from the Certificate Account to the Custodial Account in accordance with Section 4.02(a); (vii) Any amounts realized by the Subservicer and received by the Master Servicer in respect of any Additional Collateral; and 52 (viii) Any amounts received by the Master Servicer in respect of Pledged Assets. The foregoing requirements for deposit in the Custodial Account shall be exclusive, it being understood and agreed that, without limiting the generality of the foregoing, payments on the Mortgage Loans which are not part of the Trust Fund (consisting of payments in respect of principal and interest on the Mortgage Loans due on or before the Cut-off Date) and payments or collections in the nature of prepayment charges or late payment charges or assumption fees may but need not be deposited by the Master Servicer in the Custodial Account. In the event any amount not required to be deposited in the Custodial Account is so deposited, the Master Servicer may at any time withdraw such amount from the Custodial Account, any provision herein to the contrary notwithstanding. The Custodial Account may contain funds that belong to one or more trust funds created for mortgage pass-through certificates of other series and may contain other funds respecting payments on mortgage loans belonging to the Master Servicer or serviced or master serviced by it on behalf of others. Notwithstanding such commingling of funds, the Master Servicer shall keep records that accurately reflect the funds on deposit in the Custodial Account that have been identified by it as being attributable to the Mortgage Loans. With respect to Insurance Proceeds, Liquidation Proceeds, REO Proceeds and the proceeds of the purchase of any Mortgage Loan pursuant to Sections 2.02, 2.03, 2.04 and 4.07 received in any calendar month, the Master Servicer may elect to treat such amounts as included in the Available Distribution Amount for the Distribution Date in the month of receipt, but is not obligated to do so. If the Master Servicer so elects, such amounts will be deemed to have been received (and any related Realized Loss shall be deemed to have occurred) on the last day of the month prior to the receipt thereof. (c) The Master Servicer shall use its best efforts to cause the institution maintaining the Custodial Account to invest the funds in the Custodial Account attributable to the Mortgage Loans in Permitted Investments which shall mature not later than the Certificate Account Deposit Date next following the date of such investment (with the exception of the Amount Held for Future Distribution) and which shall not be sold or disposed of prior to their maturities. All income and gain realized from any such investment shall be for the benefit of the Master Servicer as additional servicing compensation and shall be subject to its withdrawal or order from time to time. The amount of any losses incurred in respect of any such investments attributable to the investment of amounts in respect of the Mortgage Loans shall be deposited in the Custodial Account by the Master Servicer out of its own funds immediately as realized without any right of reimbursement. (d) The Master Servicer shall give notice to the Trustee and the Company of any change in the location of the Custodial Account and the location of the Certificate Account prior to the use thereof. Section 3.08. Subservicing Accounts; Servicing Accounts. (a) In those cases where a Subservicer is servicing a Mortgage Loan pursuant to a Subservicing Agreement, the Master Servicer shall cause the Subservicer, pursuant to the Subservicing Agreement, to establish and maintain one or more Subservicing Accounts which shall be an Eligible Account or, if such account is 53 not an Eligible Account, shall generally satisfy the requirements of the Program Guide and be otherwise acceptable to the Master Servicer and each Rating Agency. The Subservicer will be required thereby to deposit into the Subservicing Account on a daily basis all proceeds of Mortgage Loans received by the Subservicer, less its Subservicing Fees and unreimbursed advances and expenses, to the extent permitted by the Subservicing Agreement. If the Subservicing Account is not an Eligible Account, the Master Servicer shall be deemed to have received such monies upon receipt thereof by the Subservicer. The Subservicer shall not be required to deposit in the Subservicing Account payments or collections in the nature of prepayment charges or late charges or assumption fees. On or before the date specified in the Program Guide, but in no event later than the Determination Date, the Master Servicer shall cause the Subservicer, pursuant to the Subservicing Agreement, to remit to the Master Servicer for deposit in the Custodial Account all funds held in the Subservicing Account with respect to each Mortgage Loan serviced by such Subservicer that are required to be remitted to the Master Servicer. The Subservicer will also be required, pursuant to the Subservicing Agreement, to advance on such scheduled date of remittance amounts equal to any scheduled monthly installments of principal and interest less its Subservicing Fees on any Mortgage Loans for which payment was not received by the Subservicer. This obligation to advance with respect to each Mortgage Loan will continue up to and including the first of the month following the date on which the related Mortgaged Property is sold at a foreclosure sale or is acquired by the Trust Fund by deed in lieu of foreclosure or otherwise. All such advances received by the Master Servicer shall be deposited promptly by it in the Custodial Account. (b) The Subservicer may also be required, pursuant to the Subservicing Agreement, to remit to the Master Servicer for deposit in the Custodial Account interest at the Adjusted Mortgage Rate (or Modified Net Mortgage Rate plus the rate per annum at which the Servicing Fee accrues in the case of a Modified Mortgage Loan) on any Curtailment received by such Subservicer in respect of a Mortgage Loan from the related Mortgagor during any month that is to be applied by the Subservicer to reduce the unpaid principal balance of the related Mortgage Loan as of the first day of such month, from the date of application of such Curtailment to the first day of the following month. Any amounts paid by a Subservicer pursuant to the preceding sentence shall be for the benefit of the Master Servicer as additional servicing compensation and shall be subject to its withdrawal or order from time to time pursuant to Sections 3.10(a)(iv) and (v). (c) In addition to the Custodial Account and the Certificate Account, the Master Servicer shall for any Nonsubserviced Mortgage Loan, and shall cause the Subservicers for Subserviced Mortgage Loans to, establish and maintain one or more Servicing Accounts and deposit and retain therein all collections from the Mortgagors (or advances from Subservicers) for the payment of taxes, assessments, hazard insurance premiums, Primary Insurance Policy premiums, if applicable, or comparable items for the account of the Mortgagors. Each Servicing Account shall satisfy the requirements for a Subservicing Account and, to the extent permitted by the Program Guide or as is otherwise acceptable to the Master Servicer, may also function as a Subservicing Account. Withdrawals of amounts related to the Mortgage Loans from the Servicing Accounts may be made only to effect timely payment of taxes, assessments, hazard insurance premiums, Primary Insurance Policy premiums, if applicable, or comparable items, to reimburse the Master Servicer or Subservicer out of related collections for any payments made pursuant to Sections 3.11 (with respect to the Primary Insurance Policy) and 3.12(a) (with respect to hazard insurance), to refund to any 54 Mortgagors any sums as may be determined to be overages, to pay interest, if required, to Mortgagors on balances in the Servicing Account or to clear and terminate the Servicing Account at the termination of this Agreement in accordance with Section 9.01 or in accordance with the Program Guide. As part of its servicing duties, the Master Servicer shall, and the Subservicers will, pursuant to the Subservicing Agreements, be required to pay to the Mortgagors interest on funds in this account to the extent required by law. (d) The Master Servicer shall advance the payments referred to in the preceding subsection that are not timely paid by the Mortgagors or advanced by the Subservicers on the date when the tax, premium or other cost for which such payment is intended is due, but the Master Servicer shall be required so to advance only to the extent that such advances, in the good faith judgment of the Master Servicer, will be recoverable by the Master Servicer out of Insurance Proceeds, Liquidation Proceeds or otherwise. Section 3.09. Access to Certain Documentation and Information Regarding the Mortgage Loans. If compliance with this Section 3.09 shall make any Class of Certificates legal for investment by federally insured savings and loan associations, the Master Servicer shall provide, or cause the Subservicers to provide, to the Trustee, the Office of Thrift Supervision or the FDIC and the supervisory agents and examiners thereof access to the documentation regarding the Mortgage Loans required by applicable regulations of the Office of Thrift Supervision, such access being afforded without charge but only upon reasonable request and during normal business hours at the offices designated by the Master Servicer. The Master Servicer shall permit such representatives to photocopy any such documentation and shall provide equipment for that purpose at a charge reasonably approximating the cost of such photocopying to the Master Servicer. Section 3.10. Permitted Withdrawals from the Custodial Account. (a) The Master Servicer may, from time to time as provided herein, make withdrawals from the Custodial Account of amounts on deposit therein pursuant to Section 3.07 that are attributable to the Mortgage Loans for the following purposes: (i) to make deposits into the Certificate Account in the amounts and in the manner provided for in Section 4.01; (ii) to reimburse itself or the related Subservicer for previously unreimbursed Advances, Servicing Advances or other expenses made pursuant to Sections 3.01, 3.07(a), 3.08, 3.11, 3.12(a), 3.14 and 4.04 or otherwise reimbursable pursuant to the terms of this Agreement, such withdrawal right being limited to amounts received on the related Mortgage Loans (including, for this purpose, REO Proceeds, Insurance Proceeds, Liquidation Proceeds and proceeds from the purchase of a Mortgage Loan pursuant to Section 2.02, 2.03, 2.04 or 4.07) which represent (A) Late Collections of Monthly Payments for which any such advance was made in the case of Subservicer Advances or Advances pursuant to Section 4.04 and (B) recoveries of amounts in respect of which such advances were made in the case of Servicing Advances; 55 (iii) to pay to itself or the related Subservicer (if not previously retained by such Subservicer) out of each payment received by the Master Servicer on account of interest on a Mortgage Loan as contemplated by Sections 3.14 and 3.16, an amount equal to that remaining portion of any such payment as to interest (but not in excess of the Servicing Fee and the Subservicing Fee, if not previously retained) which, when deducted, will result in the remaining amount of such interest being interest at the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of a Modified Mortgage Loan) on the amount specified in the amortization schedule of the related Mortgage Loan as the principal balance thereof at the beginning of the period respecting which such interest was paid after giving effect to any previous Curtailments; (iv) to pay to itself as additional servicing compensation any interest or investment income earned on funds and other property deposited in or credited to the Custodial Account that it is entitled to withdraw pursuant to Section 3.07(c); (v) to pay to itself as additional servicing compensation any Foreclosure Profits, any amounts remitted by Subservicers as interest in respect of Curtailments pursuant to Section 3.08(b), and any amounts paid by a Mortgagor in connection with a Principal Prepayment in Full in respect of interest for any period during the calendar month in which such Principal Prepayment in Full is to be distributed to the Certificateholders; (vi) to pay to itself, a Subservicer, a Seller, Residential Funding, the Company or any other appropriate Person, as the case may be, with respect to each Mortgage Loan or property acquired in respect thereof that has been purchased or otherwise transferred pursuant to Section 2.02, 2.03, 2.04, 4.07 or 9.01, all amounts received thereon and not required to be distributed to the Certificateholders as of the date on which the related Stated Principal Balance or Purchase Price is determined; (vii) to reimburse itself or the related Subservicer for any Nonrecoverable Advance or Advances in the manner and to the extent provided in subsection (c) below, and any Advance or Servicing Advance made in connection with a modified Mortgage Loan that is in default or, in the judgment of the Master Servicer, default is reasonably foreseeable pursuant to Section 3.07(a), to the extent the amount of the Advance or Servicing Advance was added to the Stated Principal Balance of the Mortgage Loan in a prior calendar month, or any Advance reimbursable to the Master Servicer pursuant to Section 4.02(a); (viii) to reimburse itself or the Company for expenses incurred by and reimbursable to it or the Company pursuant to Sections 3.01(a), 3.11, 3.13, 3.14(c), 6.03, 10.01 or otherwise, or in connection with enforcing, in accordance with this Agreement, any repurchase, substitution or indemnification obligation of any Seller (other than an Affiliate of the Company) pursuant to the related Seller's Agreement; (ix) to reimburse itself for Servicing Advances expended by it (a) pursuant to Section 3.14 in good faith in connection with the restoration of property damaged by an Uninsured Cause, and (b) in connection with the liquidation of a Mortgage Loan or disposition of an REO Property to the extent not otherwise reimbursed pursuant to clause (ii) or (viii) above; and 56 (x) to withdraw any amount deposited in the Custodial Account that was not required to be deposited therein pursuant to Section 3.07. (b) Since, in connection with withdrawals pursuant to clauses (ii), (iii), (v) and (vi), the Master Servicer's entitlement thereto is limited to collections or other recoveries on the related Mortgage Loan, the Master Servicer shall keep and maintain separate accounting, on a Mortgage Loan by Mortgage Loan basis, for the purpose of justifying any withdrawal from the Custodial Account pursuant to such clauses. (c) The Master Servicer shall be entitled to reimburse itself or the related Subservicer for any advance made in respect of a Mortgage Loan that the Master Servicer determines to be a Nonrecoverable Advance by withdrawal from the Custodial Account of amounts on deposit therein attributable to the Mortgage Loans on any Certificate Account Deposit Date succeeding the date of such determination. Such right of reimbursement in respect of a Nonrecoverable Advance relating to an Advance pursuant to Section 4.04 on any such Certificate Account Deposit Date shall be limited to an amount not exceeding the portion of such Advance previously paid to Certificateholders (and not theretofore reimbursed to the Master Servicer or the related Subservicer). Section 3.11. Maintenance of the Primary Insurance Policies; Collections Thereunder. (a) The Master Servicer shall not take, or permit any Subservicer to take, any action which would result in non-coverage under any applicable Primary Insurance Policy of any loss which, but for the actions of the Master Servicer or Subservicer, would have been covered thereunder. To the extent coverage is available, the Master Servicer shall keep or cause to be kept in full force and effect each such Primary Insurance Policy until the principal balance of the related Mortgage Loan secured by a Mortgaged Property is reduced to 80% or less of the Appraised Value in the case of such a Mortgage Loan having a Loan-to-Value Ratio at origination in excess of 80%, provided that such Primary Insurance Policy was in place as of the Cut-off Date and the Company had knowledge of such Primary Insurance Policy. The Master Servicer shall be entitled to cancel or permit the discontinuation of any Primary Insurance Policy as to any Mortgage Loan, if the Stated Principal Balance of the Mortgage Loan is reduced below an amount equal to 80% of the appraised value of the related Mortgaged Property as determined in any appraisal thereof after the Closing Date, or if the Loan-to-Value Ratio is reduced below 80% as a result of principal payments on the Mortgage Loan after the Closing Date. In the event that the Company gains knowledge that as of the Closing Date, a Mortgage Loan had a Loan-to-Value Ratio at origination in excess of 80% and is not the subject of a Primary Insurance Policy (and was not included in any exception to the representation in Section 2.03(b)(iv)) and that such Mortgage Loan has a current Loan-to-Value Ratio in excess of 80% then the Master Servicer shall use its reasonable efforts to obtain and maintain a Primary Insurance Policy to the extent that such a policy is obtainable at a reasonable price. The Master Servicer shall not cancel or refuse to renew any such Primary Insurance Policy 57 applicable to a Nonsubserviced Mortgage Loan, or consent to any Subservicer canceling or refusing to renew any such Primary Insurance Policy applicable to a Mortgage Loan subserviced by it, that is in effect at the date of the initial issuance of the Certificates and is required to be kept in force hereunder unless the replacement Primary Insurance Policy for such canceled or non-renewed policy is maintained with an insurer whose claims-paying ability is acceptable to each Rating Agency for mortgage pass-through certificates having a rating equal to or better than the lower of the then-current rating or the rating assigned to the Certificates as of the Closing Date by such Rating Agency. (b) In connection with its activities as administrator and servicer of the Mortgage Loans, the Master Servicer agrees to present or to cause the related Subservicer to present, on behalf of the Master Servicer, the Subservicer, if any, the Trustee and Certificateholders, claims to the related Insurer under any Primary Insurance Policies, in a timely manner in accordance with such policies, and, in this regard, to take or cause to be taken such reasonable action as shall be necessary to permit recovery under any Primary Insurance Policies respecting defaulted Mortgage Loans. Pursuant to Section 3.07, any Insurance Proceeds collected by or remitted to the Master Servicer under any Primary Insurance Policies shall be deposited in the Custodial Account, subject to withdrawal pursuant to Section 3.10. Section 3.12. Maintenance of Fire Insurance and Omissions and Fidelity Coverage. (a) The Master Servicer shall cause to be maintained for each Mortgage Loan (other than a Cooperative Loan) fire insurance with extended coverage in an amount which is equal to the lesser of the principal balance owing on such Mortgage Loan or 100 percent of the insurable value of the improvements; provided, however, that such coverage may not be less than the minimum amount required to fully compensate for any loss or damage on a replacement cost basis. To the extent it may do so without breaching the related Subservicing Agreement, the Master Servicer shall replace any Subservicer that does not cause such insurance, to the extent it is available, to be maintained. The Master Servicer shall also cause to be maintained on property acquired upon foreclosure, or deed in lieu of foreclosure, of any Mortgage Loan (other than a Cooperative Loan), fire insurance with extended coverage in an amount which is at least equal to the amount necessary to avoid the application of any co-insurance clause contained in the related hazard insurance policy. Pursuant to Section 3.07, any amounts collected by the Master Servicer under any such policies (other than amounts to be applied to the restoration or repair of the related Mortgaged Property or property thus acquired or amounts released to the Mortgagor in accordance with the Master Servicer's normal servicing procedures) shall be deposited in the Custodial Account, subject to withdrawal pursuant to Section 3.10. Any cost incurred by the Master Servicer in maintaining any such insurance shall not, for the purpose of calculating monthly distributions to the Certificateholders, be added to the amount owing under the Mortgage Loan, notwithstanding that the terms of the Mortgage Loan so permit. Such costs shall be recoverable by the Master Servicer out of related late payments by the Mortgagor or out of Insurance Proceeds and Liquidation Proceeds to the extent permitted by Section 3.10. It is understood and agreed that no earthquake or other additional insurance is to be required of any Mortgagor or maintained on property acquired in respect of a Mortgage Loan other than pursuant to such applicable laws and regulations as shall at any time be in force and as shall require such additional insurance. Whenever the improvements securing a Mortgage Loan (other than a Cooperative Loan) are located at the time of origination of such Mortgage Loan in a federally designated special flood hazard area, the 58 Master Servicer shall cause flood insurance (to the extent available) to be maintained in respect thereof. Such flood insurance shall be in an amount equal to the lesser of (i) the amount required to compensate for any loss or damage to the Mortgaged Property on a replacement cost basis and (ii) the maximum amount of such insurance available for the related Mortgaged Property under the national flood insurance program (assuming that the area in which such Mortgaged Property is located is participating in such program). If the Master Servicer shall obtain and maintain a blanket fire insurance policy with extended coverage insuring against hazard losses on all of the Mortgage Loans, it shall conclusively be deemed to have satisfied its obligations as set forth in the first sentence of this Section 3.12(a), it being understood and agreed that such policy may contain a deductible clause, in which case the Master Servicer shall, in the event that there shall not have been maintained on the related Mortgaged Property a policy complying with the first sentence of this Section 3.12(a) and there shall have been a loss which would have been covered by such policy, deposit in the Certificate Account the amount not otherwise payable under the blanket policy because of such deductible clause. Any such deposit by the Master Servicer shall be made on the Certificate Account Deposit Date next preceding the Distribution Date which occurs in the month following the month in which payments under any such policy would have been deposited in the Custodial Account. In connection with its activities as administrator and servicer of the Mortgage Loans, the Master Servicer agrees to present, on behalf of itself, the Trustee and the Certificateholders, claims under any such blanket policy. (b) The Master Servicer shall obtain and maintain at its own expense and keep in full force and effect throughout the term of this Agreement a blanket fidelity bond and an errors and omissions insurance policy covering the Master Servicer's officers and employees and other persons acting on behalf of the Master Servicer in connection with its activities under this Agreement. The amount of coverage shall be at least equal to the coverage that would be required by Fannie Mae or Freddie Mac, whichever is greater, with respect to the Master Servicer if the Master Servicer were servicing and administering the Mortgage Loans for Fannie Mae or Freddie Mac. In the event that any such bond or policy ceases to be in effect, the Master Servicer shall obtain a comparable replacement bond or policy from an issuer or insurer, as the case may be, meeting the requirements, if any, of the Program Guide and acceptable to the Company. Coverage of the Master Servicer under a policy or bond obtained by an Affiliate of the Master Servicer and providing the coverage required by this Section 3.12(b) shall satisfy the requirements of this Section 3.12(b). Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and Modification Agreements; Certain Assignments. (a) When any Mortgaged Property is conveyed by the Mortgagor, the Master Servicer or Subservicer, to the extent it has knowledge of such conveyance, shall enforce any due-on-sale clause contained in any Mortgage Note or Mortgage, to the extent permitted under applicable law and governmental regulations, but only to the extent that such enforcement will not adversely affect or jeopardize coverage under any Required Insurance Policy. Notwithstanding the foregoing: 59 (i) the Master Servicer shall not be deemed to be in default under this Section 3.13(a) by reason of any transfer or assumption which the Master Servicer is restricted by law from preventing; and (ii) if the Master Servicer determines that it is reasonably likely that any Mortgagor will bring, or if any Mortgagor does bring, legal action to declare invalid or otherwise avoid enforcement of a due-on-sale clause contained in any Mortgage Note or Mortgage, the Master Servicer shall not be required to enforce the due-on-sale clause or to contest such action. (b) Subject to the Master Servicer's duty to enforce any due-on-sale clause to the extent set forth in Section 3.13(a), in any case in which a Mortgaged Property is to be conveyed to a Person by a Mortgagor, and such Person is to enter into an assumption or modification agreement or supplement to the Mortgage Note or Mortgage which requires the signature of the Trustee, or if an instrument of release signed by the Trustee is required releasing the Mortgagor from liability on the Mortgage Loan, the Master Servicer is authorized, subject to the requirements of the sentence next following, to execute and deliver, on behalf of the Trustee, the assumption agreement with the Person to whom the Mortgaged Property is to be conveyed and such modification agreement or supplement to the Mortgage Note or Mortgage or other instruments as are reasonable or necessary to carry out the terms of the Mortgage Note or Mortgage or otherwise to comply with any applicable laws regarding assumptions or the transfer of the Mortgaged Property to such Person; provided, however, none of such terms and requirements shall either (i) both (A) constitute a "significant modification" effecting an exchange or reissuance of such Mortgage Loan under the REMIC Provisions and (B) cause any portion of any REMIC formed under the Series Supplement to fail to qualify as a REMIC under the Code or (subject to Section 10.01(f)), result in the imposition of any tax on "prohibited transactions" or (ii) constitute "contributions" after the start-up date under the REMIC Provisions. The Master Servicer shall execute and deliver such documents only if it reasonably determines that (i) its execution and delivery thereof will not conflict with or violate any terms of this Agreement or cause the unpaid balance and interest on the Mortgage Loan to be uncollectible in whole or in part, (ii) any required consents of insurers under any Required Insurance Policies have been obtained and (iii) subsequent to the closing of the transaction involving the assumption or transfer (A) the Mortgage Loan will continue to be secured by a first mortgage lien pursuant to the terms of the Mortgage, (B) such transaction will not adversely affect the coverage under any Required Insurance Policies, (C) the Mortgage Loan will fully amortize over the remaining term thereof, (D) no material term of the Mortgage Loan (including the interest rate on the Mortgage Loan) will be altered nor will the term of the Mortgage Loan be changed and (E) if the seller/transferor of the Mortgaged Property is to be released from liability on the Mortgage Loan, such release will not (based on the Master Servicer's or Subservicer's good faith determination) adversely affect the collectability of the Mortgage Loan. Upon receipt of appropriate instructions from the Master Servicer in accordance with the foregoing, the Trustee shall execute any necessary instruments for such assumption or substitution of liability as directed in writing by the Master Servicer. Upon the closing of the transactions contemplated by such documents, the Master Servicer shall cause the originals or true and correct copies of the assumption agreement, the release (if any), or the modification or supplement to the Mortgage Note or Mortgage to be 60 delivered to the Trustee or the Custodian and deposited with the Mortgage File for such Mortgage Loan. Any fee collected by the Master Servicer or such related Subservicer for entering into an assumption or substitution of liability agreement will be retained by the Master Servicer or such Subservicer as additional servicing compensation. (c) The Master Servicer or the related Subservicer, as the case may be, shall be entitled to approve a request from a Mortgagor for a partial release of the related Mortgaged Property, the granting of an easement thereon in favor of another Person, any alteration or demolition of the related Mortgaged Property (or, with respect to a Cooperative Loan, the related Cooperative Apartment) without any right of reimbursement or other similar matters if it has determined, exercising its good faith business judgment in the same manner as it would if it were the owner of the related Mortgage Loan, that the security for, and the timely and full collectability of, such Mortgage Loan would not be adversely affected thereby and that any portion of any REMIC formed under the Series Supplement would not fail to continue to qualify as a REMIC under the Code as a result thereof and (subject to Section 10.01(f)) that no tax on "prohibited transactions" or "contributions" after the startup day would be imposed on any such REMIC as a result thereof. Any fee collected by the Master Servicer or the related Subservicer for processing such a request will be retained by the Master Servicer or such Subservicer as additional servicing compensation. (d) Subject to any other applicable terms and conditions of this Agreement, the Trustee and Master Servicer shall be entitled to approve an assignment in lieu of satisfaction with respect to any Mortgage Loan, provided the obligee with respect to such Mortgage Loan following such proposed assignment provides the Trustee and Master Servicer with a "Lender Certification for Assignment of Mortgage Loan" in the form attached hereto as Exhibit M, in form and substance satisfactory to the Trustee and Master Servicer, providing the following: (i) that the substance of the assignment is, and is intended to be, a refinancing of such Mortgage; (ii) that the Mortgage Loan following the proposed assignment will have a rate of interest at least 0.25 percent below or above the rate of interest on such Mortgage Loan prior to such proposed assignment; and (iii) that such assignment is at the request of the borrower under the related Mortgage Loan. Upon approval of an assignment in lieu of satisfaction with respect to any Mortgage Loan, the Master Servicer shall receive cash in an amount equal to the unpaid principal balance of and accrued interest on such Mortgage Loan and the Master Servicer shall treat such amount as a Principal Prepayment in Full with respect to such Mortgage Loan for all purposes hereof. Section 3.14. Realization Upon Defaulted Mortgage Loans. (a) The Master Servicer shall foreclose upon or otherwise comparably convert (which may include an REO Acquisition) the ownership of properties securing such of the Mortgage Loans as come into and continue in default and as to which no satisfactory arrangements can be made for collection of delinquent payments pursuant to Section 3.07. Alternatively, the Master Servicer may take other actions in respect of a defaulted Mortgage Loan, which may include (i) accepting a short sale (a payoff of the Mortgage Loan for an amount less than the total amount contractually owed in order to facilitate a sale of the Mortgaged Property by the Mortgagor) or permitting a short refinancing (a payoff of the Mortgage Loan for an amount less than the total amount contractually owed in order to facilitate refinancing transactions by the Mortgagor not involving a sale of the Mortgaged Property), (ii) arranging for a repayment plan or (iii) agreeing to a modification in accordance with Section 3.07. In connection with such foreclosure or other conversion, the Master Servicer shall, consistent with Section 3.11, follow such practices and procedures as it shall deem necessary or advisable, as shall be normal and usual in its general mortgage servicing activities and as shall be required or permitted by the Program Guide; provided 61 that the Master Servicer shall not be liable in any respect hereunder if the Master Servicer is acting in connection with any such foreclosure or other conversion in a manner that is consistent with the provisions of this Agreement. The Master Servicer, however, shall not be required to expend its own funds or incur other reimbursable charges in connection with any foreclosure, or attempted foreclosure which is not completed, or towards the restoration of any property unless it shall determine (i) that such restoration and/or foreclosure will increase the proceeds of liquidation of the Mortgage Loan to Holders of Certificates of one or more Classes after reimbursement to itself for such expenses or charges and (ii) that such expenses or charges will be recoverable to it through Liquidation Proceeds, Insurance Proceeds, or REO Proceeds (respecting which it shall have priority for purposes of withdrawals from the Custodial Account pursuant to Section 3.10, whether or not such expenses and charges are actually recoverable from related Liquidation Proceeds, Insurance Proceeds or REO Proceeds). In the event of such a determination by the Master Servicer pursuant to this Section 3.14(a), the Master Servicer shall be entitled to reimbursement of such amounts pursuant to Section 3.10. In addition to the foregoing, the Master Servicer shall use its best reasonable efforts to realize upon any Additional Collateral for such of the Additional Collateral Loans as come into and continue in default and as to which no satisfactory arrangements can be made for collection of delinquent payments pursuant to Section 3.07; provided that the Master Servicer shall not, on behalf of the Trustee, obtain title to any such Additional Collateral as a result of or in lieu of the disposition thereof or otherwise; and provided further that (i) the Master Servicer shall not proceed with respect to such Additional Collateral in any manner that would impair the ability to recover against the related Mortgaged Property, and (ii) the Master Servicer shall proceed with any REO Acquisition in a manner that preserves the ability to apply the proceeds of such Additional Collateral against amounts owed under the defaulted Mortgage Loan. Any proceeds realized from such Additional Collateral (other than amounts to be released to the Mortgagor or the related guarantor in accordance with procedures that the Master Servicer would follow in servicing loans held for its own account, subject to the terms and conditions of the related Mortgage and Mortgage Note and to the terms and conditions of any security agreement, guarantee agreement, mortgage or other agreement governing the disposition of the proceeds of such Additional Collateral) shall be deposited in the Custodial Account, subject to withdrawal pursuant to Section 3.10. Any other payment received by the Master Servicer in respect of such Additional Collateral shall be deposited in the Custodial Account subject to withdrawal pursuant to Section 3.10. For so long as the Master Servicer is the Master Servicer under the Credit Support Pledge Agreement, the Master Servicer shall perform its obligations under the Credit Support Pledge Agreement in accordance with such Agreement and in a manner that is in the best interests of the Certificateholders. Further, the Master Servicer shall use its best reasonable efforts to realize upon any Pledged Assets for such of the Pledged Asset Loans as come into and continue in default and as to which no satisfactory arrangements can be made for collection of delinquent payments pursuant to Section 3.07; provided that the Master Servicer shall not, on behalf of the Trustee, obtain title to any such Pledged Assets as a result of or in lieu of the disposition thereof or otherwise; and provided further that (i) the Master Servicer shall not proceed with respect to such Pledged Assets in any manner that would impair the ability to recover against the related Mortgaged Property, and (ii) the Master Servicer shall proceed with any REO Acquisition in a manner 62 that preserves the ability to apply the proceeds of such Pledged Assets against amounts owed under the defaulted Mortgage Loan. Any proceeds realized from such Pledged Assets (other than amounts to be released to the Mortgagor or the related guarantor in accordance with procedures that the Master Servicer would follow in servicing loans held for its own account, subject to the terms and conditions of the related Mortgage and Mortgage Note and to the terms and conditions of any security agreement, guarantee agreement, mortgage or other agreement governing the disposition of the proceeds of such Pledged Assets) shall be deposited in the Custodial Account, subject to withdrawal pursuant to Section 3.10. Any other payment received by the Master Servicer in respect of such Pledged Assets shall be deposited in the Custodial Account subject to withdrawal pursuant to Section 3.10. Concurrently with the foregoing, the Master Servicer may pursue any remedies that may be available in connection with a breach of a representation and warranty with respect to any such Mortgage Loan in accordance with Sections 2.03 and 2.04. However, the Master Servicer is not required to continue to pursue both foreclosure (or similar remedies) with respect to the Mortgage Loans and remedies in connection with a breach of a representation and warranty if the Master Servicer determines in its reasonable discretion that one such remedy is more likely to result in a greater recovery as to the Mortgage Loan. Upon the occurrence of a Cash Liquidation or REO Disposition, following the deposit in the Custodial Account of all Insurance Proceeds, Liquidation Proceeds and other payments and recoveries referred to in the definition of "Cash Liquidation" or "REO Disposition," as applicable, upon receipt by the Trustee of written notification of such deposit signed by a Servicing Officer, the Trustee or any Custodian, as the case may be, shall release to the Master Servicer the related Mortgage File and the Trustee shall execute and deliver such instruments of transfer or assignment prepared by the Master Servicer, in each case without recourse, as shall be necessary to vest in the Master Servicer or its designee, as the case may be, the related Mortgage Loan, and thereafter such Mortgage Loan shall not be part of the Trust Fund. Notwithstanding the foregoing or any other provision of this Agreement, in the Master Servicer's sole discretion with respect to any defaulted Mortgage Loan or REO Property as to either of the following provisions, (i) a Cash Liquidation or REO Disposition may be deemed to have occurred if substantially all amounts expected by the Master Servicer to be received in connection with the related defaulted Mortgage Loan or REO Property have been received, and (ii) for purposes of determining the amount of any Liquidation Proceeds, Insurance Proceeds, REO Proceeds or any other unscheduled collections or the amount of any Realized Loss, the Master Servicer may take into account minimal amounts of additional receipts expected to be received or any estimated additional liquidation expenses expected to be incurred in connection with the related defaulted Mortgage Loan or REO Property. (b) If title to any Mortgaged Property is acquired by the Trust Fund as an REO Property by foreclosure or by deed in lieu of foreclosure, the deed or certificate of sale shall be issued to the Trustee or to its nominee on behalf of Certificateholders. Notwithstanding any such acquisition of title and cancellation of the related Mortgage Loan, such REO Property shall (except as otherwise expressly provided herein) be considered to be an Outstanding Mortgage Loan held in the Trust Fund until such time as the REO Property shall be sold. Consistent with the foregoing for purposes of all calculations hereunder so long 63 as such REO Property shall be considered to be an Outstanding Mortgage Loan it shall be assumed that, notwithstanding that the indebtedness evidenced by the related Mortgage Note shall have been discharged, such Mortgage Note and the related amortization schedule in effect at the time of any such acquisition of title (after giving effect to any previous Curtailments and before any adjustment thereto by reason of any bankruptcy or similar proceeding or any moratorium or similar waiver or grace period) remain in effect. (c) If the Trust Fund acquires any REO Property as aforesaid or otherwise in connection with a default or imminent default on a Mortgage Loan, the Master Servicer on behalf of the Trust Fund shall dispose of such REO Property as soon as practicable, giving due consideration to the interests of the Certificateholders, but in all cases within three full years after the taxable year of its acquisition by the Trust Fund for purposes of Section 860G(a)(8) of the Code (or such shorter period as may be necessary under applicable state (including any state in which such property is located) law to maintain the status of any portion of any REMIC formed under the Series Supplement as a REMIC under applicable state law and avoid taxes resulting from such property failing to be foreclosure property under applicable state law) or, at the expense of the Trust Fund, request, more than 60 days before the day on which such grace period would otherwise expire, an extension of such grace period unless the Master Servicer (subject to Section 10.01(f)) obtains for the Trustee an Opinion of Counsel, addressed to the Trustee and the Master Servicer, to the effect that the holding by the Trust Fund of such REO Property subsequent to such period will not result in the imposition of taxes on "prohibited transactions" as defined in Section 860F of the Code or cause any REMIC formed under the Series Supplement to fail to qualify as a REMIC (for federal (or any applicable State or local) income tax purposes) at any time that any Certificates are outstanding, in which case the Trust Fund may continue to hold such REO Property (subject to any conditions contained in such Opinion of Counsel). The Master Servicer shall be entitled to be reimbursed from the Custodial Account for any costs incurred in obtaining such Opinion of Counsel, as provided in Section 3.10. Notwithstanding any other provision of this Agreement, no REO Property acquired by the Trust Fund shall be rented (or allowed to continue to be rented) or otherwise used by or on behalf of the Trust Fund in such a manner or pursuant to any terms that would (i) cause such REO Property to fail to qualify as "foreclosure property" within the meaning of Section 860G(a)(8) of the Code or (ii) subject the Trust Fund to the imposition of any federal income taxes on the income earned from such REO Property, including any taxes imposed by reason of Section 860G(c) of the Code, unless the Master Servicer has agreed to indemnify and hold harmless the Trust Fund with respect to the imposition of any such taxes. (d) The proceeds of any Cash Liquidation, REO Disposition or purchase or repurchase of any Mortgage Loan pursuant to the terms of this Agreement, as well as any recovery resulting from a collection of Liquidation Proceeds, Insurance Proceeds or REO Proceeds, will be applied in the following order of priority: first, to reimburse the Master Servicer or the related Subservicer in accordance with Section 3.10(a)(ii); second, to the Certificateholders to the extent of accrued and unpaid interest on the Mortgage Loan, and any related REO Imputed Interest, at the Net Mortgage Rate (or the Modified Net Mortgage Rate in the case of a Modified Mortgage Loan) to the Due Date prior to the Distribution Date 64 on which such amounts are to be distributed; third, to the Certificateholders as a recovery of principal on the Mortgage Loan (or REO Property); fourth, to all Servicing Fees and Subservicing Fees payable therefrom (and the Master Servicer and the Subservicer shall have no claims for any deficiencies with respect to such fees which result from the foregoing allocation); and fifth, to Foreclosure Profits. (e) In the event of a default on a Mortgage Loan one or more of whose obligors is not a United States Person, in connection with any foreclosure or acquisition of a deed in lieu of foreclosure (together, "foreclosure") in respect of such Mortgage Loan, the Master Servicer will cause compliance with the provisions of Treasury Regulation Section 1.1445-2(d)(3) (or any successor thereto) necessary to assure that no withholding tax obligation arises with respect to the proceeds of such foreclosure except to the extent, if any, that proceeds of such foreclosure are required to be remitted to the obligors on such Mortgage Loan. Section 3.15. Trustee to Cooperate; Release of Mortgage Files. (a) Upon becoming aware of the payment in full of any Mortgage Loan, or upon the receipt by the Master Servicer of a notification that payment in full will be escrowed in a manner customary for such purposes, the Master Servicer will immediately notify the Trustee (if it holds the related Mortgage File) or the Custodian by a certification of a Servicing Officer (which certification shall include a statement to the effect that all amounts received or to be received in connection with such payment which are required to be deposited in the Custodial Account pursuant to Section 3.07 have been or will be so deposited), substantially in one of the forms attached hereto as Exhibit F, or, in the case of the Custodian, an electronic request in a form acceptable to the Custodian, requesting delivery to it of the Mortgage File. Within two Business Days of receipt of such certification and request, the Trustee shall release, or cause the Custodian to release, the related Mortgage File to the Master Servicer. The Master Servicer is authorized to execute and deliver to the Mortgagor the request for reconveyance, deed of reconveyance or release or satisfaction of mortgage or such instrument releasing the lien of the Mortgage, together with the Mortgage Note with, as appropriate, written evidence of cancellation thereon and to cause the removal from the registration on the MERS(R) System of such Mortgage and to execute and deliver, on behalf of the Trustee and the Certificateholders or any of them, any and all instruments of satisfaction or cancellation or of partial or full release. No expenses incurred in connection with any instrument of satisfaction or deed of reconveyance shall be chargeable to the Custodial Account or the Certificate Account. (b) From time to time as is appropriate for the servicing or foreclosure of any Mortgage Loan, the Master Servicer shall deliver to the Custodian, with a copy to the Trustee, a certificate of a Servicing Officer substantially in one of the forms attached as Exhibit F hereto, or, in the case of the Custodian, an electronic request in a form acceptable to the Custodian, requesting that possession of all, or any document constituting part of, the Mortgage File be released to the Master Servicer and certifying as to the reason for such release and that such release will not invalidate any insurance coverage provided in respect of the Mortgage Loan under any Required Insurance Policy. Upon receipt of the foregoing, the Trustee shall deliver, or cause the Custodian to deliver, the Mortgage File or any document therein to the Master Servicer. The Master Servicer shall cause each Mortgage File or any document therein so released to be returned to the Trustee, or the Custodian as agent for the Trustee when the need therefor by the Master Servicer no longer exists, unless (i) the Mortgage Loan has been liquidated and the Liquidation Proceeds relating to the Mortgage 65 Loan have been deposited in the Custodial Account or (ii) the Mortgage File or such document has been delivered directly or through a Subservicer to an attorney, or to a public trustee or other public official as required by law, for purposes of initiating or pursuing legal action or other proceedings for the foreclosure of the Mortgaged Property either judicially or non-judicially, and the Master Servicer has delivered directly or through a Subservicer to the Trustee a certificate of a Servicing Officer certifying as to the name and address of the Person to which such Mortgage File or such document was delivered and the purpose or purposes of such delivery. In the event of the liquidation of a Mortgage Loan, the Trustee shall deliver the Request for Release with respect thereto to the Master Servicer upon deposit of the related Liquidation Proceeds in the Custodial Account. (c) The Trustee or the Master Servicer on the Trustee's behalf shall execute and deliver to the Master Servicer, if necessary, any court pleadings, requests for trustee's sale or other documents necessary to the foreclosure or trustee's sale in respect of a Mortgaged Property or to any legal action brought to obtain judgment against any Mortgagor on the Mortgage Note or Mortgage or to obtain a deficiency judgment, or to enforce any other remedies or rights provided by the Mortgage Note or Mortgage or otherwise available at law or in equity. Together with such documents or pleadings (if signed by the Trustee), the Master Servicer shall deliver to the Trustee a certificate of a Servicing Officer requesting that such pleadings or documents be executed by the Trustee and certifying as to the reason such documents or pleadings are required and that the execution and delivery thereof by the Trustee will not invalidate any insurance coverage under any Required Insurance Policy or invalidate or otherwise affect the lien of the Mortgage, except for the termination of such a lien upon completion of the foreclosure or trustee's sale. Section 3.16. Servicing and Other Compensation; Compensating Interest. (a) The Master Servicer, as compensation for its activities hereunder, shall be entitled to receive on each Distribution Date the amounts provided for by clauses (iii), (iv), (v) and (vi) of Section 3.10(a), subject to clause (e) below. The amount of servicing compensation provided for in such clauses shall be accounted for on a Mortgage Loan-by-Mortgage Loan basis. In the event that Liquidation Proceeds, Insurance Proceeds and REO Proceeds (net of amounts reimbursable therefrom pursuant to Section 3.10(a)(ii)) in respect of a Cash Liquidation or REO Disposition exceed the unpaid principal balance of such Mortgage Loan plus unpaid interest accrued thereon (including REO Imputed Interest) at a per annum rate equal to the related Net Mortgage Rate (or the Modified Net Mortgage Rate in the case of a Modified Mortgage Loan), the Master Servicer shall be entitled to retain therefrom and to pay to itself and/or the related Subservicer, any Foreclosure Profits and any Servicing Fee or Subservicing Fee considered to be accrued but unpaid. (b) Additional servicing compensation in the form of prepayment charges, assumption fees, late payment charges, investment income on amounts in the Custodial Account or the Certificate Account or otherwise shall be retained by the Master Servicer or the Subservicer to the extent provided herein, subject to clause (e) below. (c) The Master Servicer shall be required to pay, or cause to be paid, all expenses incurred by it in connection with its servicing activities hereunder 66 (including payment of premiums for the Primary Insurance Policies, if any, to the extent such premiums are not required to be paid by the related Mortgagors, and the fees and expenses of the Trustee and any co-trustee (as provided in Section 8.05) and the fees and expense of any Custodian) and shall not be entitled to reimbursement therefor except as specifically provided in Sections 3.10 and 3.14. (d) The Master Servicer's right to receive servicing compensation may not be transferred in whole or in part except in connection with the transfer of all of its responsibilities and obligations of the Master Servicer under this Agreement. (e) Notwithstanding any other provision herein, the amount of servicing compensation that the Master Servicer shall be entitled to receive for its activities hereunder for the period ending on each Distribution Date shall be reduced (but not below zero) by an amount equal to Compensating Interest (if any) for such Distribution Date. Such reduction shall be applied during such period as follows: first, to any Servicing Fee or Subservicing Fee to which the Master Servicer is entitled pursuant to Section 3.10(a)(iii), and second, to any income or gain realized from any investment of funds held in the Custodial Account or the Certificate Account to which the Master Servicer is entitled pursuant to Sections 3.07(c) or 4.01(b), respectively. In making such reduction, the Master Servicer (i) will not withdraw from the Custodial Account any such amount representing all or a portion of the Servicing Fee to which it is entitled pursuant to Section 3.10(a)(iii), and (ii) will not withdraw from the Custodial Account or Certificate Account any such amount to which it is entitled pursuant to Section 3.07(c) or 4.01(b). Section 3.17. Reports to the Trustee and the Company. Not later than fifteen days after each Distribution Date, the Master Servicer shall forward to the Trustee and the Company a statement, certified by a Servicing Officer, setting forth the status of the Custodial Account as of the close of business on such Distribution Date as it relates to the Mortgage Loans and showing, for the period covered by such statement, the aggregate of deposits in or withdrawals from the Custodial Account in respect of the Mortgage Loans for each category of deposit specified in Section 3.07 and each category of withdrawal specified in Section 3.10. Section 3.18. Annual Statement as to Compliance. The Master Servicer will deliver to the Company and the Trustee on or before the earlier of (a) March 31 of each year, beginning with the first March 31 that occurs at least six months after the Cut-off Date or (b) with respect to any calendar year during which the Company's annual report on Form 10-K is required to be filed in accordance with the Exchange Act and the rules and regulations of the Commission, the date on which the annual report on Form 10-K is required to be filed in accordance with the Exchange Act and the rules and regulations of the Commission, an Officers' Certificate stating, as to each signer thereof, that (i) a review of the activities of the Master Servicer during the preceding calendar year related to its servicing of mortgage loans and its performance under pooling and servicing agreements, including this Agreement, has been made under such officers' supervision, (ii) to the best of such officers' knowledge, based on such review, the Master Servicer has complied in all material respects with the minimum servicing standards set forth in the Uniform Single Attestation Program for Mortgage Bankers and has fulfilled all of its material obligations relating to this Agreement in all material respects 67 throughout such year, or, if there has been material noncompliance with such servicing standards or a default in the fulfillment in all material respects of any such obligation relating to this Agreement, such statement shall include a description of such noncompliance or specify each such default, as the case may be, known to such officer and the nature and status thereof and (iii) to the best of such officers' knowledge, each Subservicer has complied in all material respects with the minimum servicing standards set forth in the Uniform Single Attestation Program for Mortgage Bankers and has fulfilled all of its material obligations under its Subservicing Agreement in all material respects throughout such year, or, if there has been material noncompliance with such servicing standards or a material default in the fulfillment of such obligations relating to this Agreement, such statement shall include a description of such noncompliance or specify each such default, as the case may be, known to such officer and the nature and status thereof. Section 3.19. Annual Independent Public Accountants' Servicing Report. On or before the earlier of (a) March 31 of each year, beginning with the first March 31 that occurs at least six months after the Cut-off Date, or (b) with respect to any calendar year during which the Company's annual report on Form 10-K is required to be filed in accordance with the Exchange Act and the rules and regulations of the Commission, the date on which the annual report is required to be filed in accordance with the Exchange Act and the rules and regulations of the Commission, the Master Servicer at its expense shall cause a firm of independent public accountants, which shall be members of the American Institute of Certified Public Accountants, to furnish a report to the Company and the Trustee stating its opinion that, on the basis of an examination conducted by such firm substantially in accordance with standards established by the American Institute of Certified Public Accountants, the assertions made pursuant to Section 3.18 regarding compliance with the minimum servicing standards set forth in the Uniform Single Attestation Program for Mortgage Bankers during the preceding calendar year are fairly stated in all material respects, subject to such exceptions and other qualifications that, in the opinion of such firm, such accounting standards require it to report. In rendering such statement, such firm may rely, as to matters relating to the direct servicing of mortgage loans by Subservicers, upon comparable statements for examinations conducted by independent public accountants substantially in accordance with standards established by the American Institute of Certified Public Accountants (rendered within one year of such statement) with respect to such Subservicers. Section 3.20. Rights of the Company in Respect of the Master Servicer. The Master Servicer shall afford the Company, upon reasonable notice, during normal business hours access to all records maintained by the Master Servicer in respect of its rights and obligations hereunder and access to officers of the Master Servicer responsible for such obligations. Upon request, the Master Servicer shall furnish the Company with its most recent financial statements and such other information as the Master Servicer possesses regarding its business, affairs, property and condition, financial or otherwise. The Master Servicer shall also cooperate with all reasonable requests for information including, but not limited to, notices, tapes and copies of files, regarding itself, the Mortgage Loans or the Certificates from any Person or Persons identified by the Company or Residential Funding. The Company may, but is not obligated to, enforce the obligations of the Master Servicer hereunder and may, but is not obligated to, perform, or cause a designee to perform, any 68 defaulted obligation of the Master Servicer hereunder or exercise the rights of the Master Servicer hereunder; provided that the Master Servicer shall not be relieved of any of its obligations hereunder by virtue of such performance by the Company or its designee. The Company shall not have any responsibility or liability for any action or failure to act by the Master Servicer and is not obligated to supervise the performance of the Master Servicer under this Agreement or otherwise. Section 3.21. Administration of Buydown Funds (a) With respect to any Buydown Mortgage Loan, the Subservicer has deposited Buydown Funds in an account that satisfies the requirements for a Subservicing Account (the "Buydown Account"). The Master Servicer shall cause the Subservicing Agreement to require that upon receipt from the Mortgagor of the amount due on a Due Date for each Buydown Mortgage Loan, the Subservicer will withdraw from the Buydown Account the predetermined amount that, when added to the amount due on such date from the Mortgagor, equals the full Monthly Payment and transmit that amount in accordance with the terms of the Subservicing Agreement to the Master Servicer together with the related payment made by the Mortgagor or advanced by the Subservicer. (b) If the Mortgagor on a Buydown Mortgage Loan prepays such loan in its entirety during the period (the "Buydown Period") when Buydown Funds are required to be applied to such Buydown Mortgage Loan, the Subservicer shall be required to withdraw from the Buydown Account and remit any Buydown Funds remaining in the Buydown Account in accordance with the related buydown agreement. The amount of Buydown Funds which may be remitted in accordance with the related buydown agreement may reduce the amount required to be paid by the Mortgagor to fully prepay the related Mortgage Loan. If the Mortgagor on a Buydown Mortgage Loan defaults on such Mortgage Loan during the Buydown Period and the property securing such Buydown Mortgage Loan is sold in the liquidation thereof (either by the Master Servicer or the insurer under any related Primary Insurance Policy), the Subservicer shall be required to withdraw from the Buydown Account the Buydown Funds for such Buydown Mortgage Loan still held in the Buydown Account and remit the same to the Master Servicer in accordance with the terms of the Subservicing Agreement for deposit in the Custodial Account or, if instructed by the Master Servicer, pay to the insurer under any related Primary Insurance Policy if the Mortgaged Property is transferred to such insurer and such insurer pays all of the loss incurred in respect of such default. Any amount so remitted pursuant to the preceding sentence will be deemed to reduce the amount owed on the Mortgage Loan. Section 3.22. Advance Facility (a) The Master Servicer is hereby authorized to enter into a financing or other facility (any such arrangement, an "Advance Facility") under which (1) the Master Servicer sells, assigns or pledges to another Person (an "Advancing Person") the Master Servicer's rights under this Agreement to be reimbursed for any Advances or Servicing Advances and/or (2) an Advancing Person agrees to fund some or all Advances and/or Servicing Advances required to be made by the Master Servicer pursuant to this Agreement. No consent of the Depositor, the Trustee, the Certificateholders or any other party shall be required before the Master Servicer may enter into an Advance Facility. Notwithstanding the existence of any Advance Facility under which an Advancing Person agrees to fund Advances and/or Servicing Advances on the Master Servicer's behalf, the Master Servicer shall remain obligated pursuant to this Agreement to make Advances and Servicing Advances pursuant to and as required by this Agreement. If the Master Servicer enters into an Advance Facility, and for so long as an Advancing Person remains entitled to receive reimbursement for any Advances including Nonrecoverable 69 Advances ("Advance Reimbursement Amounts") and/or Servicing Advances including Nonrecoverable Advances ("Servicing Advance Reimbursement Amounts" and together with Advance Reimbursement Amounts, "Reimbursement Amounts") (in each case to the extent such type of Reimbursement Amount is included in the Advance Facility), as applicable, pursuant to this Agreement, then the Master Servicer shall identify such Reimbursement Amounts consistent with the reimbursement rights set forth in Section 3.10(a)(ii) and (vii) and remit such Reimbursement Amounts in accordance with this Section 3.22 or otherwise in accordance with the documentation establishing the Advance Facility to such Advancing Person or to a trustee, agent or custodian (an "Advance Facility Trustee") designated by such Advancing Person in an Advance Facility Notice described below in Section 3.22(b). Notwithstanding the foregoing, if so required pursuant to the terms of the Advance Facility, the Master Servicer may direct, and if so directed in writing the Trustee is hereby authorized to and shall pay to the Advance Facility Trustee the Reimbursement Amounts identified pursuant to the preceding sentence. An Advancing Person whose obligations hereunder are limited to the funding of Advances and/or Servicing Advances shall not be required to meet the qualifications of a Master Servicer or a Subservicer pursuant to Section 3.02(a) or 6.02(c) hereof and shall not be deemed to be a Subservicer under this Agreement. Notwithstanding anything to the contrary herein, in no event shall Advance Reimbursement Amounts or Servicing Advance Reimbursement Amounts be included in the Available Distribution Amount or distributed to Certificateholders. (b) If the Master Servicer enters into an Advance Facility and makes the election set forth in Section 3.22(a), the Master Servicer and the related Advancing Person shall deliver to the Certificate Insurer and the Trustee a written notice and payment instruction (an "Advance Facility Notice"), providing the Trustee with written payment instructions as to where to remit Advance Reimbursement Amounts and/or Servicing Advance Reimbursement Amounts (each to the extent such type of Reimbursement Amount is included within the Advance Facility) on subsequent Distribution Dates. The payment instruction shall require the applicable Reimbursement Amounts to be distributed to the Advancing Person or to an Advance Facility Trustee designated in the Advance Facility Notice. An Advance Facility Notice may only be terminated by the joint written direction of the Master Servicer and the related Advancing Person (and any related Advance Facility Trustee). The Master Servicer shall provide the Certificate Insurer, if any, with notice of any termination of any Advance Facility pursuant to this Section 3.22(b). (c) Reimbursement Amounts shall consist solely of amounts in respect of Advances and/or Servicing Advances made with respect to the Mortgage Loans for which the Master Servicer would be permitted to reimburse itself in accordance with Section 3.10(a)(ii) and (vii) hereof, assuming the Master Servicer or the Advancing Person had made the related Advance(s) and/or Servicing Advance(s). Notwithstanding the foregoing, except with respect to reimbursement of Nonrecoverable Advances as set forth in Section 3.10(c) of this Agreement, no Person shall be entitled to reimbursement from funds held in the Collection Account for future distribution to Certificateholders pursuant to this Agreement. Neither the Depositor nor the Trustee shall have any duty or liability with respect to the calculation of any Reimbursement Amount, nor shall the Depositor or the Trustee have any responsibility to track or monitor the administration of the Advance Facility or have any responsibility to track, 70 Person or Advance Facility Trustee; provided, however, the Trustee shall maintain records with respect to the payment of such Reimbursement Amounts as it does with respect to other distributions made pursuant to this Agreement. The Master Servicer shall maintain and provide to any Successor Master Servicer a detailed accounting on a loan-by-loan basis as to amounts advanced by, sold, pledged or assigned to, and reimbursed to any Advancing Person. The Successor Master Servicer shall be entitled to rely on any such information provided by the Master Servicer and the Successor Master Servicer shall not be liable for any errors in such information. (d) Upon the direction of and at the expense of the Master Servicer, the Trustee agrees to execute such acknowledgments reasonably satisfactory to the Trustee provided by the Master Servicer recognizing the interests of any Advancing Person or Advance Facility Trustee in such Reimbursement Amounts as the Master Servicer may cause to be made subject to Advance Facilities pursuant to this Section 3.22. (e) Reimbursement Amounts collected with respect to each Mortgage Loan shall be allocated to outstanding unreimbursed Advances or Servicing Advances (as the case may be) made with respect to that Mortgage Loan on a "first-in, first out" ("FIFO") basis, subject to the qualifications set forth below: (i) Any successor Master Servicer to Residential Funding (a "Successor Master Servicer") and the Advancing Person or Advance Facility Trustee shall be required to apply all amounts available in accordance with this Section 3.22(e) to the reimbursement of Advances and Servicing Advances in the manner provided for herein; provided, however, that after the succession of a Successor Master Servicer, (A) to the extent that any Advances or Servicing Advances with respect to any particular Mortgage Loan are reimbursed from payments or recoveries, if any, from the related Mortgagor, and Liquidation Proceeds or Insurance Proceeds, if any, with respect to that Mortgage Loan, reimbursement shall be made, first, to the Advancing Person or Advance Facility Trustee in respect of Advances and/or Servicing Advances related to that Mortgage Loan to the extent of the interest of the Advancing Person or Advance Facility Trustee in such Advances and/or Servicing Advances, second to the Master Servicer in respect of Advances and/or Servicing Advances related to that Mortgage Loan in excess of those in which the Advancing Person or Advance Facility Trustee Person has an interest, and third, to the Successor Master Servicer in respect of any other Advances and/or Servicing Advances related to that Mortgage Loan, from such sources as and when collected, and (B) reimbursements of Advances and Servicing Advances that are Nonrecoverable Advances shall be made pro rata to the Advancing Person or Advance Facility Trustee, on the one hand, and any such Successor Master Servicer, on the other hand, on the basis of the respective aggregate outstanding unreimbursed Advances and Servicing Advances that are Nonrecoverable Advances owed to the Advancing Person, Advance Facility Trustee or Master Servicer pursuant to this Agreement, on the one hand, and any such Successor Master Servicer, on the other hand, and without regard to the date on which any such Advances or Servicing Advances shall have been made. In the event that, as a result of the FIFO allocation made pursuant to this Section 3.22(e), some or all of a Reimbursement Amount paid to the Advancing Person or Advance Facility Trustee relates to Advances or Servicing Advances that were made by a Person other than Residential Funding or the Advancing Person or Advance Facility Trustee, then the Advancing Person or Advance Facility Trustee shall be required to remit 71 any portion of such Reimbursement Amount to the Person entitled to such portion of such Reimbursement Amount. Without limiting the generality of the foregoing, Residential Funding shall remain entitled to be reimbursed by the Advancing Person or Advance Facility Trustee for all Advances and Servicing Advances funded by Residential Funding to the extent the related Reimbursement Amount(s) have not been assigned or pledged to an Advancing Person or Advance Facility Trustee. The documentation establishing any Advance Facility shall require Residential Funding to provide to the related Advancing Person or Advance Facility Trustee loan by loan information with respect to each Reimbursement Amount distributed to such Advancing Person or Advance Facility Trustee on each date of remittance thereof to such Advancing Person or Advance Facility Trustee, to enable the Advancing Person or Advance Facility Trustee to make the FIFO allocation of each Reimbursement Amount with respect to each Mortgage Loan. (ii) By way of illustration, and not by way of limiting the generality of the foregoing, if the Master Servicer resigns or is terminated at a time when the Master Servicer is a party to an Advance Facility, and is replaced by a Successor Master Servicer, and the Successor Master Servicer directly funds Advances or Servicing Advances with respect to a Mortgage Loan and does not assign or pledge the related Reimbursement Amounts to the related Advancing Person or Advance Facility Trustee, then all payments and recoveries received from the related Mortgagor or received in the form of Liquidation Proceeds with respect to such Mortgage Loan (including Insurance Proceeds collected in connection with a liquidation of such Mortgage Loan) will be allocated first to the Advancing Person or Advance Facility Trustee until the related Reimbursement Amounts attributable to such Mortgage Loan that are owed to the Master Servicer and the Advancing Person, which were made prior to any Advances or Servicing Advances made by the Successor Master Servicer, have been reimbursed in full, at which point the Successor Master Servicer shall be entitled to retain all related Reimbursement Amounts subsequently collected with respect to that Mortgage Loan pursuant to Section 3.10 of this Agreement. To the extent that the Advances or Servicing Advances are Nonrecoverable Advances to be reimbursed on an aggregate basis pursuant to Section 3.10 of this Agreement, the reimbursement paid in this manner will be made pro rata to the Advancing Person or Advance Facility Trustee, on the one hand, and the Successor Master Servicer, on the other hand, as described in clause (i)(B) above. (f) The Master Servicer shall remain entitled to be reimbursed for all Advances and Servicing Advances funded by the Master Servicer to the extent the related rights to be reimbursed therefor have not been sold, assigned or pledged to an Advancing Person. (g) Any amendment to this Section 3.22 or to any other provision of this Agreement that may be necessary or appropriate to effect the terms of an Advance Facility as described generally in this Section 3.22, including amendments to add provisions relating to a successor master servicer, may be entered into by the Trustee, the Certificate Insurer, Depositor and the Master Servicer without 72 the consent of any Certificateholder, with written confirmation from each Rating Agency that the amendment will not result in the reduction of the ratings on any class of the Certificates below the lesser of the then current or original ratings on such Certificates, notwithstanding anything to the contrary in Section 11.01 of or elsewhere in this Agreement. (h) Any rights of set-off that the Trust Fund, the Trustee, the Depositor, any Successor Master Servicer or any other Person might otherwise have against the Master Servicer under this Agreement shall not attach to any rights to be reimbursed for Advances or Servicing Advances that have been sold, transferred, pledged, conveyed or assigned to any Advancing Person. (i) At any time when an Advancing Person shall have ceased funding Advances and/or Servicing Advances (as the case may be) and the Advancing Person or related Advance Facility Trustee shall have received Reimbursement Amounts sufficient in the aggregate to reimburse all Advances and/or Servicing Advances (as the case may be) the right to reimbursement for which were assigned to the Advancing Person, then upon the delivery of a written notice signed by the Advancing Person and the Master Servicer or its successor or assign) to the Trustee terminating the Advance Facility Notice (the "Notice of Facility Termination"), the Master Servicer or its Successor Master Servicer shall again be entitled to withdraw and retain the related Reimbursement Amounts from the Custodial Account pursuant to Section 3.10. (j) After delivery of any Advance Facility Notice, and until any such Advance Facility Notice has been terminated by a Notice of Facility Termination, this Section 3.22 may not be amended or otherwise modified without the prior written consent of the related Advancing Person. 73 ARTICLE IV PAYMENTS TO CERTIFICATEHOLDERS Section 4.01. Certificate Account. (a) The Master Servicer on behalf of the Trustee shall establish and maintain a Certificate Account in which the Master Servicer shall cause to be deposited on behalf of the Trustee on or before 2:00 P.M. New York time on each Certificate Account Deposit Date by wire transfer of immediately available funds an amount equal to the sum of (i) any Advance for the immediately succeeding Distribution Date, (ii) any amount required to be deposited in the Certificate Account pursuant to Section 3.12(a), (iii) any amount required to be deposited in the Certificate Account pursuant to Section 3.16(e) or Section 4.07, (iv) any amount required to be paid pursuant to Section 9.01 and (v) all other amounts constituting the Available Distribution Amount for the immediately succeeding Distribution Date. (b) The Trustee shall, upon written request from the Master Servicer, invest or cause the institution maintaining the Certificate Account to invest the funds in the Certificate Account in Permitted Investments designated in the name of the Trustee for the benefit of the Certificateholders, which shall mature or be payable on demand not later than the Business Day next preceding the Distribution Date next following the date of such investment (except that (i) any investment in the institution with which the Certificate Account is maintained may mature or be payable on demand on such Distribution Date and (ii) any other investment may mature or be payable on demand on such Distribution Date if the Trustee shall advance funds on such Distribution Date to the Certificate Account in the amount payable on such investment on such Distribution Date, pending receipt thereof to the extent necessary to make distributions on the Certificates) and shall not be sold or disposed of prior to maturity. Subject to Section 3.16(e), all income and gain realized from any such investment shall be for the benefit of the Master Servicer and shall be subject to its withdrawal or order from time to time. The amount of any losses incurred in respect of any such investments shall be deposited in the Certificate Account by the Master Servicer out of its own funds immediately as realized without any right of reimbursement. The Trustee or its Affiliates are permitted to receive compensation that could be deemed to be in the Trustee's economic self-interest for (i) serving as investment adviser (with respect to investments made through its Affiliates), administrator, shareholder servicing agent, custodian or sub-custodian with respect to certain of the Permitted Investments, (ii) using Affiliates to effect transactions in certain Permitted Investments and (iii) effecting transactions in certain Permitted Investments. Section 4.02. Distributions. As provided in Section 4.02 of the Series Supplement. Section 4.03. Statements to Certificateholders; Statements to Rating Agencies; Exchange Act Reporting. (a) Concurrently with each distribution charged to the Certificate Account and with respect to each Distribution Date the Master 74 Servicer shall forward to the Trustee and the Trustee shall either forward by mail or make available to each Holder and the Company, via the Trustee's internet website, a statement (and at its option, any additional files containing the same information in an alternative format) setting forth information as to each Class of Certificates, the Mortgage Pool and, if the Mortgage Pool is comprised of two or more Loan Groups, each Loan Group, to the extent applicable. This statement will include the information set forth in an exhibit to the Series Supplement. Such exhibit shall set forth the Trustee's internet website address together with a phone number. The Trustee shall mail to each Holder that requests a paper copy by telephone a paper copy via first class mail. The Trustee may modify the distribution procedures set forth in this Section provided that such procedures are no less convenient for the Certificateholders. The Trustee shall provide prior notification to the Company, the Master Servicer and the Certificateholders regarding any such modification. In addition, the Master Servicer shall provide to any manager of a trust fund consisting of some or all of the Certificates, upon reasonable request, such additional information as is reasonably obtainable by the Master Servicer at no additional expense to the Master Servicer. Also, at the request of a Rating Agency, the Master Servicer shall provide the information relating to the Reportable Modified Mortgage Loans substantially in the form attached hereto as Exhibit Q to such Rating Agency within a reasonable period of time; provided, however, that the Master Servicer shall not be required to provide such information more than four times in a calendar year to any Rating Agency. (b) Within a reasonable period of time after the end of each calendar year, the Master Servicer shall prepare, or cause to be prepared, and shall forward, or cause to be forwarded, to each Person who at any time during the calendar year was the Holder of a Certificate, other than a Class R Certificate, a statement containing the information set forth in clauses (i) and (ii) of the exhibit to the Series Supplement referred to in subsection (a) above aggregated for such calendar year or applicable portion thereof during which such Person was a Certificateholder. Such obligation of the Master Servicer shall be deemed to have been satisfied to the extent that substantially comparable information shall be provided by the Master Servicer pursuant to any requirements of the Code. (c) Within a reasonable period of time after the end of each calendar year, the Master Servicer shall prepare, or cause to be prepared, and shall forward, or cause to be forwarded, to each Person who at any time during the calendar year was the Holder of a Class R Certificate, a statement containing the applicable distribution information provided pursuant to this Section 4.03 aggregated for such calendar year or applicable portion thereof during which such Person was the Holder of a Class R Certificate. Such obligation of the Master Servicer shall be deemed to have been satisfied to the extent that substantially comparable information shall be provided by the Master Servicer pursuant to any requirements of the Code. (d) Upon the written request of any Certificateholder, the Master Servicer, as soon as reasonably practicable, shall provide the requesting Certificateholder with such information as is necessary and appropriate, in the Master Servicer's sole discretion, for purposes of satisfying applicable reporting requirements under Rule 144A. (e) The Master Servicer shall, on behalf of the Depositor and in respect of the Trust Fund, sign and cause to be filed with the Commission any periodic reports required to be filed under the provisions of the Exchange Act, and the rules and regulations of the Commission thereunder. In connection with 75 the preparation and filing of such periodic reports, the Trustee shall timely provide to the Master Servicer (I) a list of Certificateholders as shown on the Certificate Register as of the end of each calendar year, (II) copies of all pleadings, other legal process and any other documents relating to any claims, charges or complaints involving the Trustee, as trustee hereunder, or the Trust Fund that are received by the Trustee, (III) notice of all matters that, to the actual knowledge of a Responsible Officer of the Trustee, have been submitted to a vote of the Certificateholders, other than those matters that have been submitted to a vote of the Certificateholders at the request of the Depositor or the Master Servicer, and (IV) notice of any failure of the Trustee to make any distribution to the Certificateholders as required pursuant to the Series Supplement. Neither the Master Servicer nor the Trustee shall have any liability with respect to the Master Servicer's failure to properly prepare or file such periodic reports resulting from or relating to the Master Servicer's inability or failure to obtain any information not resulting from the Master Servicer's own negligence or willful misconduct. Any Form 10-K filed with the Commission in connection with this Section 4.03(e) shall include a certification, signed by the senior officer in charge of the servicing functions of the Master Servicer, in the form attached as Exhibit O hereto or such other form as may be required or permitted by the Commission (the "Form 10-K Certification"), in compliance with Rules 13a-14 and 15d-14 under the Exchange Act and any additional directives of the Commission. In connection with the Form 10-K Certification, the Trustee shall provide the Master Servicer with a back-up certification substantially in the form attached hereto as Exhibit P. This Section 4.03(e) may be amended in accordance with this Agreement without the consent of the Certificateholders. Section 4.04. Distribution of Reports to the Trustee and the Company; Advances by the Master Servicer. (a) Prior to the close of business on the Determination Date, the Master Servicer shall furnish a written statement to the Trustee, any Certificate Insurer, any Paying Agent and the Company (the information in such statement to be made available to Certificateholders by the Master Servicer on request) setting forth (i) the Available Distribution Amount and (ii) the amounts required to be withdrawn from the Custodial Account and deposited into the Certificate Account on the immediately succeeding Certificate Account Deposit Date pursuant to clause (iii) of Section 4.01(a). The determination by the Master Servicer of such amounts shall, in the absence of obvious error, be presumptively deemed to be correct for all purposes hereunder and the Trustee shall be protected in relying upon the same without any independent check or verification. (b) On or before 2:00 P.M. New York time on each Certificate Account Deposit Date, the Master Servicer shall either (i) deposit in the Certificate Account from its own funds, or funds received therefor from the Subservicers, an amount equal to the Advances to be made by the Master Servicer in respect of the related Distribution Date, which shall be in an aggregate amount equal to the aggregate amount of Monthly Payments (with each interest portion thereof adjusted to the Net Mortgage Rate), less the amount of any related Servicing Modifications, Debt Service Reductions or reductions in the amount of interest collectable from the Mortgagor pursuant to the Servicemembers Civil Relief Act, as amended, or similar legislation or regulations then in effect, on the Outstanding Mortgage Loans as of the related Due Date, which Monthly Payments were not received as of the close of business as of the related Determination Date; provided that no Advance shall be made if it would be a Nonrecoverable Advance, (ii) withdraw from amounts on deposit in the Custodial Account and deposit in the Certificate Account all or a portion of the Amount Held for Future Distribution in discharge of any such Advance, or (iii) make advances in the form of any combination of (i) and (ii) aggregating the amount of such Advance. Any portion of the Amount Held for Future Distribution so used shall be replaced by the Master Servicer by deposit in the Certificate Account on or 76 before 11:00 A.M. New York time on any future Certificate Account Deposit Date to the extent that funds attributable to the Mortgage Loans that are available in the Custodial Account for deposit in the Certificate Account on such Certificate Account Deposit Date shall be less than payments to Certificateholders required to be made on the following Distribution Date. The Master Servicer shall be entitled to use any Advance made by a Subservicer as described in Section 3.07(b) that has been deposited in the Custodial Account on or before such Distribution Date as part of the Advance made by the Master Servicer pursuant to this Section 4.04. The amount of any reimbursement pursuant to Section 4.02(a) in respect of outstanding Advances on any Distribution Date shall be allocated to specific Monthly Payments due but delinquent for previous Due Periods, which allocation shall be made, to the extent practicable, to Monthly Payments which have been delinquent for the longest period of time. Such allocations shall be conclusive for purposes of reimbursement to the Master Servicer from recoveries on related Mortgage Loans pursuant to Section 3.10. The determination by the Master Servicer that it has made a Nonrecoverable Advance or that any proposed Advance, if made, would constitute a Nonrecoverable Advance, shall be evidenced by an Officers' Certificate of the Master Servicer delivered to the Company and the Trustee. If the Master Servicer determines as of the Business Day preceding any Certificate Account Deposit Date that it will be unable to deposit in the Certificate Account an amount equal to the Advance required to be made for the immediately succeeding Distribution Date, it shall give notice to the Trustee of its inability to advance (such notice may be given by telecopy), not later than 3:00 P.M., New York time, on such Business Day, specifying the portion of such amount that it will be unable to deposit. Not later than 3:00 P.M., New York time, on the Certificate Account Deposit Date the Trustee shall, unless by 12:00 Noon, New York time, on such day the Trustee shall have been notified in writing (by telecopy) that the Master Servicer shall have directly or indirectly deposited in the Certificate Account such portion of the amount of the Advance as to which the Master Servicer shall have given notice pursuant to the preceding sentence, pursuant to Section 7.01, (a) terminate all of the rights and obligations of the Master Servicer under this Agreement in accordance with Section 7.01 and (b) assume the rights and obligations of the Master Servicer hereunder, including the obligation to deposit in the Certificate Account an amount equal to the Advance for the immediately succeeding Distribution Date. The Trustee shall deposit all funds it receives pursuant to this Section 4.04 into the Certificate Account. 77 Section 4.05. Allocation of Realized Losses. As provided in Section 4.05 of the Series Supplement. Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property. The Master Servicer or the Subservicers shall file information returns with respect to the receipt of mortgage interests received in a trade or business, the reports of foreclosures and abandonments of any Mortgaged Property and the information returns relating to cancellation of indebtedness income with respect to any Mortgaged Property required by Sections 6050H, 6050J and 6050P, respectively, of the Code, and deliver to the Trustee an Officers' Certificate on or before March 31 of each year stating that such reports have been filed. Such reports shall be in form and substance sufficient to meet the reporting requirements imposed by Sections 6050H, 6050J and 6050P of the Code. Section 4.07. Optional Purchase of Defaulted Mortgage Loans. As to any Mortgage Loan which is delinquent in payment by 90 days or more, the Master Servicer may, at its option, purchase such Mortgage Loan from the Trustee at the Purchase Price therefor. If at any time the Master Servicer makes a payment to the Certificate Account covering the amount of the Purchase Price for such a Mortgage Loan, and the Master Servicer provides to the Trustee a certification signed by a Servicing Officer stating that the amount of such payment has been deposited in the Certificate Account, then the Trustee shall execute the assignment of such Mortgage Loan at the request of the Master Servicer without recourse to the Master Servicer, which shall succeed to all the Trustee's right, title and interest in and to such Mortgage Loan, and all security and documents relative thereto. Such assignment shall be an assignment outright and not for security. The Master Servicer will thereupon own such Mortgage, and all such security and documents, free of any further obligation to the Trustee or the Certificateholders with respect thereto. If, however, the Master Servicer shall have exercised its right to repurchase a Mortgage Loan pursuant to this Section 4.07 upon the written request of and with funds provided by the Junior Certificateholder and thereupon transferred such Mortgage Loan to the Junior Certificateholder, the Master Servicer shall so notify the Trustee in writing. Section 4.08. Surety Bond. (a) If a Required Surety Payment is payable pursuant to the Surety Bond with respect to any Additional Collateral Loan, the Master Servicer shall so notify the Trustee as soon as reasonably practicable and the Trustee shall promptly complete the notice in the form of Attachment 1 to the Surety Bond and shall promptly submit such notice to the Surety as a claim for a Required Surety. The Master Servicer shall upon request assist the Trustee in completing such notice and shall provide any information requested by the Trustee in connection therewith. (b) Upon receipt of a Required Surety Payment from the Surety on behalf of the Holders of Certificates, the Trustee shall deposit such Required Surety Payment in the Certificate Account and shall distribute such Required Surety Payment, or the proceeds thereof, in accordance with the provisions of Section 4.02. 78 (c) The Trustee shall (i) receive as attorney-in-fact of each Holder of a Certificate any Required Surety Payment from the Surety and (ii) disburse the same to the Holders of such Certificates as set forth in Section 4.02. 79 ARTICLE V THE CERTIFICATES Section 5.01. The Certificates. (a) The Senior, Class M, Class B and Class R Certificates shall be substantially in the forms set forth in Exhibits A, B, C and D, respectively, and shall, on original issue, be executed and delivered by the Trustee to the Certificate Registrar for authentication and delivery to or upon the order of the Company upon receipt by the Trustee or one or more Custodians of the documents specified in Section 2.01. The Certificates shall be issuable in the minimum denominations designated in the Preliminary Statement to the Series Supplement. The Certificates shall be executed by manual or facsimile signature on behalf of an authorized officer of the Trustee. Certificates bearing the manual or facsimile signatures of individuals who were at any time the proper officers of the Trustee shall bind the Trustee, notwithstanding that such individuals or any of them have ceased to hold such offices prior to the authentication and delivery of such Certificate or did not hold such offices at the date of such Certificates. No Certificate shall be entitled to any benefit under this Agreement, or be valid for any purpose, unless there appears on such Certificate a certificate of authentication substantially in the form provided for herein executed by the Certificate Registrar by manual signature, and such certificate upon any Certificate shall be conclusive evidence, and the only evidence, that such Certificate has been duly authenticated and delivered hereunder. All Certificates shall be dated the date of their authentication. (b) Except as provided below, registration of Book-Entry Certificates may not be transferred by the Trustee except to another Depository that agrees to hold such Certificates for the respective Certificate Owners with Ownership Interests therein. The Holders of the Book-Entry Certificates shall hold their respective Ownership Interests in and to each of such Certificates through the book-entry facilities of the Depository and, except as provided below, shall not be entitled to Definitive Certificates in respect of such Ownership Interests. All transfers by Certificate Owners of their respective Ownership Interests in the Book-Entry Certificates shall be made in accordance with the procedures established by the Depository Participant or brokerage firm representing such Certificate Owner. Each Depository Participant shall transfer the Ownership Interests only in the Book-Entry Certificates of Certificate Owners it represents or of brokerage firms for which it acts as agent in accordance with the Depository's normal procedures. The Trustee, the Master Servicer and the Company may for all purposes (including the making of payments due on the respective Classes of Book-Entry Certificates) deal with the Depository as the authorized representative of the Certificate Owners with respect to the respective Classes of Book-Entry Certificates for the purposes of exercising the rights of Certificateholders hereunder. The rights of Certificate Owners with respect to the respective Classes of Book-Entry Certificates shall be limited to those established by law and agreements between such Certificate Owners and the Depository Participants and brokerage firms representing such Certificate Owners. Multiple requests and directions from, and votes of, the Depository as Holder of any Class of Book-Entry Certificates with respect to any particular matter shall not be 80 deemed inconsistent if they are made with respect to different Certificate Owners. The Trustee may establish a reasonable record date in connection with solicitations of consents from or voting by Certificateholders and shall give notice to the Depository of such record date. If (i)(A) the Company advises the Trustee in writing that the Depository is no longer willing or able to properly discharge its responsibilities as Depository and (B) the Company is unable to locate a qualified successor or (ii) the Company at its option advises the Trustee in writing that it elects to terminate the book-entry system through the Depository, the Trustee shall notify all Certificate Owners, through the Depository, of the occurrence of any such event and of the availability of Definitive Certificates to Certificate Owners requesting the same. Upon surrender to the Trustee of the Book-Entry Certificates by the Depository, accompanied by registration instructions from the Depository for registration of transfer, the Trustee shall issue the Definitive Certificates. In addition, if an Event of Default has occurred and is continuing, each Certificate Owner materially adversely affected thereby may at its option request a Definitive Certificate evidencing such Certificate Owner's Percentage Interest in the related Class of Certificates. In order to make such a request, such Certificate Owner shall, subject to the rules and procedures of the Depository, provide the Depository or the related Depository Participant with directions for the Certificate Registrar to exchange or cause the exchange of the Certificate Owner's interest in such Class of Certificates for an equivalent Percentage Interest in fully registered definitive form. Upon receipt by the Certificate Registrar of instructions from the Depository directing the Certificate Registrar to effect such exchange (such instructions shall contain information regarding the Class of Certificates and the Certificate Principal Balance being exchanged, the Depository Participant account to be debited with the decrease, the registered holder of and delivery instructions for the Definitive Certificate, and any other information reasonably required by the Certificate Registrar), (i) the Certificate Registrar shall instruct the Depository to reduce the related Depository Participant's account by the aggregate Certificate Principal Balance of the Definitive Certificate, (ii) the Trustee shall execute and the Certificate Registrar shall authenticate and deliver, in accordance with the registration and delivery instructions provided by the Depository, a Definitive Certificate evidencing such Certificate Owner's Percentage Interest in such Class of Certificates and (iii) the Trustee shall execute and the Certificate Registrar shall authenticate a new Book-Entry Certificate reflecting the reduction in the aggregate Certificate Principal Balance of such Class of Certificates by the Certificate Principal Balance of the Definitive Certificate. Neither the Company, the Master Servicer nor the Trustee shall be liable for any actions taken by the Depository or its nominee, including, without limitation, any delay in delivery of any instructions required under Section 5.01 and may conclusively rely on, and shall be protected in relying on, such instructions. Upon the issuance of Definitive Certificates, the Trustee and the Master Servicer shall recognize the Holders of the Definitive Certificates as Certificateholders hereunder. (c) If the Class A-V Certificates are Definitive Certificates, from time to time Residential Funding, as the initial Holder of the Class A-V Certificates, may exchange such Holder's Class A-V Certificates for Subclasses of Class A-V Certificates to be issued under this Agreement by delivering a "Request for Exchange" substantially in the form attached to this Agreement as Exhibit N executed by an authorized officer, which Subclasses, in the aggregate, will 81 represent the Uncertificated Class A-V REMIC Regular Interests corresponding to the Class A-V Certificates so surrendered for exchange. Any Subclass so issued shall bear a numerical designation commencing with Class A-V-1 and continuing sequentially thereafter, and will evidence ownership of the Uncertificated REMIC Regular Interest or Interests specified in writing by such initial Holder to the Trustee. The Trustee may conclusively, without any independent verification, rely on, and shall be protected in relying on, Residential Funding's determinations of the Uncertificated Class A-V REMIC Regular Interests corresponding to any Subclass, the Initial Notional Amount and the initial Pass-Through Rate on a Subclass as set forth in such Request for Exchange and the Trustee shall have no duty to determine if any Uncertificated Class A-V REMIC Regular Interest designated on a Request for Exchange corresponds to a Subclass which has previously been issued. Each Subclass so issued shall be substantially in the form set forth in Exhibit A and shall, on original issue, be executed and delivered by the Trustee to the Certificate Registrar for authentication and delivery in accordance with Section 5.01(a). Every Certificate presented or surrendered for exchange by the initial Holder shall (if so required by the Trustee or the Certificate Registrar) be duly endorsed by, or be accompanied by a written instrument of transfer attached to such Certificate and shall be completed to the satisfaction of the Trustee and the Certificate Registrar duly executed by, the initial Holder thereof or his attorney duly authorized in writing. The Certificates of any Subclass of Class A-V Certificates may be transferred in whole, but not in part, in accordance with the provisions of Section 5.02. Section 5.02. Registration of Transfer and Exchange of Certificates. (a) The Trustee shall cause to be kept at one of the offices or agencies to be appointed by the Trustee in accordance with the provisions of Section 8.12 a Certificate Register in which, subject to such reasonable regulations as it may prescribe, the Trustee shall provide for the registration of Certificates and of transfers and exchanges of Certificates as herein provided. The Trustee is initially appointed Certificate Registrar for the purpose of registering Certificates and transfers and exchanges of Certificates as herein provided. The Certificate Registrar, or the Trustee, shall provide the Master Servicer with a certified list of Certificateholders as of each Record Date prior to the related Determination Date. (b) Upon surrender for registration of transfer of any Certificate at any office or agency of the Trustee maintained for such purpose pursuant to Section 8.12 and, in the case of any Class M, Class B or Class R Certificate, upon satisfaction of the conditions set forth below, the Trustee shall execute and the Certificate Registrar shall authenticate and deliver, in the name of the designated transferee or transferees, one or more new Certificates of a like Class (or Subclass) and aggregate Percentage Interest. (c) At the option of the Certificateholders, Certificates may be exchanged for other Certificates of authorized denominations of a like Class (or Subclass) and aggregate Percentage Interest, upon surrender of the Certificates to be exchanged at any such office or agency. Whenever any Certificates are so surrendered for exchange the Trustee shall execute and the Certificate Registrar shall authenticate and deliver the Certificates of such Class which the Certificateholder making the exchange is entitled to receive. Every Certificate presented or surrendered for transfer 82 or exchange shall (if so required by the Trustee or the Certificate Registrar) be duly endorsed by, or be accompanied by a written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by, the Holder thereof or his attorney duly authorized in writing. (d) No transfer, sale, pledge or other disposition of a Class B Certificate shall be made unless such transfer, sale, pledge or other disposition is exempt from the registration requirements of the Securities Act of 1933, as amended, and any applicable state securities laws or is made in accordance with said Act and laws. In the event that a transfer of a Class B Certificate is to be made either (i)(A) the Trustee shall require a written Opinion of Counsel acceptable to and in form and substance satisfactory to the Trustee and the Company that such transfer may be made pursuant to an exemption, describing the applicable exemption and the basis therefor, from said Act and laws or is being made pursuant to said Act and laws, which Opinion of Counsel shall not be an expense of the Trustee, the Company or the Master Servicer (except that, if such transfer is made by the Company or the Master Servicer or any Affiliate thereof, the Company or the Master Servicer shall provide such Opinion of Counsel at their own expense); provided that such Opinion of Counsel will not be required in connection with the initial transfer of any such Certificate by the Company or any Affiliate thereof to the Company or an Affiliate of the Company and (B) the Trustee shall require the transferee to execute a representation letter, substantially in the form of Exhibit H hereto, and the Trustee shall require the transferor to execute a representation letter, substantially in the form of Exhibit I hereto, each acceptable to and in form and substance satisfactory to the Company and the Trustee certifying to the Company and the Trustee the facts surrounding such transfer, which representation letters shall not be an expense of the Trustee, the Company or the Master Servicer; provided, however, that such representation letters will not be required in connection with any transfer of any such Certificate by the Company or any Affiliate thereof to the Company or an Affiliate of the Company, and the Trustee shall be entitled to conclusively rely upon a representation (which, upon the request of the Trustee, shall be a written representation) from the Company, of the status of such transferee as an Affiliate of the Company or (ii) the prospective transferee of such a Certificate shall be required to provide the Trustee, the Company and the Master Servicer with an investment letter substantially in the form of Exhibit J attached hereto (or such other form as the Company in its sole discretion deems acceptable), which investment letter shall not be an expense of the Trustee, the Company or the Master Servicer, and which investment letter states that, among other things, such transferee (A) is a "qualified institutional buyer" as defined under Rule 144A, acting for its own account or the accounts of other "qualified institutional buyers" as defined under Rule 144A, and (B) is aware that the proposed transferor intends to rely on the exemption from registration requirements under the Securities Act of 1933, as amended, provided by Rule 144A. The Holder of any such Certificate desiring to effect any such transfer, sale, pledge or other disposition shall, and does hereby agree to, indemnify the Trustee, the Company, the Master Servicer and the Certificate Registrar against any liability that may result if the transfer, sale, pledge or other disposition is not so exempt or is not made in accordance with such federal and state laws. (e) (i) In the case of any Class B or Class R Certificate presented for registration in the name of any Person, either (A) the Trustee shall require an Opinion of Counsel acceptable to and in form and substance satisfactory to the Trustee, the Company and the Master Servicer to the effect that the purchase or holding of such Class B or Class R Certificate is permissible under applicable law, will not constitute or result in any non-exempt prohibited transaction under Section 406 83 of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or Section 4975 of the Code (or comparable provisions of any subsequent enactments), and will not subject the Trustee, the Company or the Master Servicer to any obligation or liability (including obligations or liabilities under ERISA or Section 4975 of the Code) in addition to those undertaken in this Agreement, which Opinion of Counsel shall not be an expense of the Trustee, the Company or the Master Servicer or (B) the prospective Transferee shall be required to provide the Trustee, the Company and the Master Servicer with a certification to the effect set forth in paragraph six of Exhibit H (with respect to any Class B Certificate) or paragraph fifteen of Exhibit G-1 (with respect to any Class R Certificate), which the Trustee may rely upon without further inquiry or investigation, or such other certifications as the Trustee may deem desirable or necessary in order to establish that such Transferee or the Person in whose name such registration is requested either (a) is not an employee benefit plan or other plan subject to the prohibited transaction provisions of ERISA or Section 4975 of the Code, or any Person (including an investment manager, a named fiduciary or a trustee of any such plan) who is using "plan assets" of any such plan to effect such acquisition (each, a "Plan Investor") or (b) in the case of any Class B Certificate, the following conditions are satisfied: (i) such Transferee is an insurance company, (ii) the source of funds used to purchase or hold such Certificate (or interest therein) is an "insurance company general account" (as defined in U.S. Department of Labor Prohibited Transaction Class Exemption ("PTCE") 95-60, and (iii) the conditions set forth in Sections I and III of PTCE 95-60 have been satisfied (each entity that satisfies this clause (b), a "Complying Insurance Company"). (ii) Any Transferee of a Class M Certificate will be deemed to have represented by virtue of its purchase or holding of such Certificate (or interest therein) that either (a) such Transferee is not a Plan Investor, (b) it has acquired and is holding such Certificate in reliance on Prohibited Transaction Exemption ("PTE") 94-29, 59 Fed. Reg. 14674 (March 29, 1994), as amended by PTE 97-34, 62 Fed. Reg. 39021 (July 21, 1997), PTE 2000-58, 65 Fed. Reg. 67765 (November 13, 2000), and PTE 2002-41, 67 Fed. Reg. 54487 (August 22, 2002) (the "RFC Exemption"), and that it understands that there are certain conditions to the availability of the RFC Exemption including that such Certificate must be rated, at the time of purchase, not lower than "BBB-" (or its equivalent) by Standard & Poor's, Fitch or Moody's or (c) such Transferee is a Complying Insurance Company. (iii) (A) If any Class M Certificate (or any interest therein) is acquired or held by any Person that does not satisfy the conditions described in paragraph (ii) above, then the last preceding Transferee that either (i) is not a Plan Investor, (ii) acquired such Certificate in compliance with the RFC Exemption, or (iii) is a Complying Insurance Company shall be restored, to the extent permitted by law, to all rights and obligations as Certificate Owner thereof retroactive to the date of such Transfer of such Class M Certificate. The Trustee shall be under no liability to any Person for making any payments due on such Certificate to such preceding Transferee. 84 (B) Any purported Certificate Owner whose acquisition or holding of any Class M Certificate (or interest therein) was effected in violation of the restrictions in this Section 5.02(e) shall indemnify and hold harmless the Company, the Trustee, the Master Servicer, any Subservicer, the Underwriters and the Trust Fund from and against any and all liabilities, claims, costs or expenses incurred by such parties as a result of such acquisition or holding. (f) (i) Each Person who has or who acquires any Ownership Interest in a Class R Certificate shall be deemed by the acceptance or acquisition of such Ownership Interest to have agreed to be bound by the following provisions and to have irrevocably authorized the Trustee or its designee under clause (iii)(A) below to deliver payments to a Person other than such Person and to negotiate the terms of any mandatory sale under clause (iii)(B) below and to execute all instruments of transfer and to do all other things necessary in connection with any such sale. The rights of each Person acquiring any Ownership Interest in a Class R Certificate are expressly subject to the following provisions: (A) Each Person holding or acquiring any Ownership Interest in a Class R Certificate shall be a Permitted Transferee and shall promptly notify the Trustee of any change or impending change in its status as a Permitted Transferee. (B) In connection with any proposed Transfer of any Ownership Interest in a Class R Certificate, the Trustee shall require delivery to it, and shall not register the Transfer of any Class R Certificate until its receipt of, (I) an affidavit and agreement (a "Transfer Affidavit and Agreement," in the form attached hereto as Exhibit G-1) from the proposed Transferee, in form and substance satisfactory to the Master Servicer, representing and warranting, among other things, that it is a Permitted Transferee, that it is not acquiring its Ownership Interest in the Class R Certificate that is the subject of the proposed Transfer as a nominee, trustee or agent for any Person who is not a Permitted Transferee, that for so long as it retains its Ownership Interest in a Class R Certificate, it will endeavor to remain a Permitted Transferee, and that it has reviewed the provisions of this Section 5.02(f) and agrees to be bound by them, and (II) a certificate, in the form attached hereto as Exhibit G-2, from the Holder wishing to transfer the Class R Certificate, in form and substance satisfactory to the Master Servicer, representing and warranting, among other things, that no purpose of the proposed Transfer is to impede the assessment or collection of tax. (C) Notwithstanding the delivery of a Transfer Affidavit and Agreement by a proposed Transferee under clause (B) above, if a Responsible Officer of the Trustee who is assigned to this Agreement has actual knowledge that the proposed Transferee is not a Permitted Transferee, no Transfer of an Ownership Interest in a Class R Certificate to such proposed Transferee shall be effected. (D) Each Person holding or acquiring any Ownership Interest in a Class R Certificate shall agree (x) to require a Transfer Affidavit and Agreement from any other Person to whom such Person attempts to transfer its Ownership Interest in a Class R Certificate and (y) not to transfer its Ownership Interest unless it provides a certificate to the Trustee in the form attached hereto as Exhibit G-2. 85 (E) Each Person holding or acquiring an Ownership Interest in a Class R Certificate, by purchasing an Ownership Interest in such Certificate, agrees to give the Trustee written notice that it is a "pass-through interest holder" within the meaning of Temporary Treasury Regulations Section 1.67-3T(a)(2)(i)(A) immediately upon acquiring an Ownership Interest in a Class R Certificate, if it is, or is holding an Ownership Interest in a Class R Certificate on behalf of, a "pass-through interest holder." (ii) The Trustee shall register the Transfer of any Class R Certificate only if it shall have received the Transfer Affidavit and Agreement, a certificate of the Holder requesting such transfer in the form attached hereto as Exhibit G-2 and all of such other documents as shall have been reasonably required by the Trustee as a condition to such registration. Transfers of the Class R Certificates to Non-United States Persons and Disqualified Organizations (as defined in Section 860E(e)(5) of the Code) are prohibited. (iii) (A) If any Disqualified Organization shall become a holder of a Class R Certificate, then the last preceding Permitted Transferee shall be restored, to the extent permitted by law, to all rights and obligations as Holder thereof retroactive to the date of registration of such Transfer of such Class R Certificate. If a Non-United States Person shall become a holder of a Class R Certificate, then the last preceding United States Person shall be restored, to the extent permitted by law, to all rights and obligations as Holder thereof retroactive to the date of registration of such Transfer of such Class R Certificate. If a transfer of a Class R Certificate is disregarded pursuant to the provisions of Treasury Regulations Section 1.860E-1 or Section 1.860G-3, then the last preceding Permitted Transferee shall be restored, to the extent permitted by law, to all rights and obligations as Holder thereof retroactive to the date of registration of such Transfer of such Class R Certificate. The Trustee shall be under no liability to any Person for any registration of Transfer of a Class R Certificate that is in fact not permitted by this Section 5.02(f) or for making any payments due on such Certificate to the holder thereof or for taking any other action with respect to such holder under the provisions of this Agreement. (B) If any purported Transferee shall become a Holder of a Class R Certificate in violation of the restrictions in this Section 5.02(f) and to the extent that the retroactive restoration of the rights of the Holder of such Class R Certificate as described in clause (iii)(A) above shall be invalid, illegal or unenforceable, then the Master Servicer shall have the right, without notice to the holder or any prior holder of such Class R Certificate, to sell such Class R Certificate to a purchaser selected by the Master Servicer on such terms as the Master Servicer may choose. Such purported Transferee shall promptly endorse and deliver each Class R Certificate in accordance with the instructions of the Master Servicer. 86 Such purchaser may be the Master Servicer itself or any Affiliate of the Master Servicer. The proceeds of such sale, net of the commissions (which may include commissions payable to the Master Servicer or its Affiliates), expenses and taxes due, if any, shall be remitted by the Master Servicer to such purported Transferee. The terms and conditions of any sale under this clause (iii)(B) shall be determined in the sole discretion of the Master Servicer, and the Master Servicer shall not be liable to any Person having an Ownership Interest in a Class R Certificate as a result of its exercise of such discretion. (iv) The Master Servicer, on behalf of the Trustee, shall make available, upon written request from the Trustee, all information necessary to compute any tax imposed (A) as a result of the Transfer of an Ownership Interest in a Class R Certificate to any Person who is a Disqualified Organization, including the information regarding "excess inclusions" of such Class R Certificates required to be provided to the Internal Revenue Service and certain Persons as described in Treasury Regulations Sections 1.860D-1(b)(5) and 1.860E-2(a)(5), and (B) as a result of any regulated investment company, real estate investment trust, common trust fund, partnership, trust, estate or organization described in Section 1381 of the Code that holds an Ownership Interest in a Class R Certificate having as among its record holders at any time any Person who is a Disqualified Organization. Reasonable compensation for providing such information may be required by the Master Servicer from such Person. (v) The provisions of this Section 5.02(f) set forth prior to this clause (v) may be modified, added to or eliminated, provided that there shall have been delivered to the Trustee the following: (A) written notification from each Rating Agency to the effect that the modification, addition to or elimination of such provisions will not cause such Rating Agency to downgrade its then-current ratings, if any, of any Class of the Senior (in the case of the Insured Certificates (as defined in the Series Supplement), such determination shall be made without giving effect to the Certificate Policy (as defined in the Series Supplement)), Class M or Class B Certificates below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency; and (B) subject to Section 10.01(f), an Officers' Certificate of the Master Servicer stating that the Master Servicer has received an Opinion of Counsel, in form and substance satisfactory to the Master Servicer, to the effect that such modification, addition to or absence of such provisions will not cause any portion of any REMIC formed under the Series Supplement to cease to qualify as a REMIC and will not cause (x) any portion of any REMIC formed under the Series Supplement to be subject to an entity-level tax caused by the Transfer of any Class R Certificate to a Person that is a Disqualified Organization or (y) a Certificateholder or another Person to be subject to a REMIC-related tax caused by the Transfer of a Class R Certificate to a Person that is not a Permitted Transferee. 87 (g) No service charge shall be made for any transfer or exchange of Certificates of any Class, but the Trustee may require payment of a sum sufficient to cover any tax or governmental charge that may be imposed in connection with any transfer or exchange of Certificates. (h) All Certificates surrendered for transfer and exchange shall be destroyed by the Certificate Registrar. Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates. If (i) any mutilated Certificate is surrendered to the Certificate Registrar, or the Trustee and the Certificate Registrar receive evidence to their satisfaction of the destruction, loss or theft of any Certificate, and (ii) there is delivered to the Trustee and the Certificate Registrar such security or indemnity as may be required by them to save each of them harmless, then, in the absence of notice to the Trustee or the Certificate Registrar that such Certificate has been acquired by a bona fide purchaser, the Trustee shall execute and the Certificate Registrar shall authenticate and deliver, in exchange for or in lieu of any such mutilated, destroyed, lost or stolen Certificate, a new Certificate of like tenor, Class and Percentage Interest but bearing a number not contemporaneously outstanding. Upon the issuance of any new Certificate under this Section, the Trustee may require the payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in relation thereto and any other expenses (including the fees and expenses of the Trustee and the Certificate Registrar) connected therewith. Any duplicate Certificate issued pursuant to this Section shall constitute complete and indefeasible evidence of ownership in the Trust Fund, as if originally issued, whether or not the lost, stolen or destroyed Certificate shall be found at any time. Section 5.04. Persons Deemed Owners. Prior to due presentation of a Certificate for registration of transfer, the Company, the Master Servicer, the Trustee, any Certificate Insurer, the Certificate Registrar and any agent of the Company, the Master Servicer, the Trustee, any Certificate Insurer or the Certificate Registrar may treat the Person in whose name any Certificate is registered as the owner of such Certificate for the purpose of receiving distributions pursuant to Section 4.02 and for all other purposes whatsoever, except as and to the extent provided in the definition of "Certificateholder," and neither the Company, the Master Servicer, the Trustee, any Certificate Insurer, the Certificate Registrar nor any agent of the Company, the Master Servicer, the Trustee, any Certificate Insurer or the Certificate Registrar shall be affected by notice to the contrary except as provided in Section 5.02(f). Section 5.05. Appointment of Paying Agent. The Trustee may appoint a Paying Agent for the purpose of making distributions to the Certificateholders pursuant to Section 4.02. In the event of any such appointment, on or prior to each Distribution Date the Master Servicer on behalf of the Trustee shall deposit or cause to be deposited with the Paying Agent a sum sufficient to make the payments to the Certificateholders in the amounts and in the manner provided for in Section 4.02, such sum to be held in trust for the benefit of the Certificateholders. 88 The Trustee shall cause each Paying Agent to execute and deliver to the Trustee an instrument in which such Paying Agent shall agree with the Trustee that such Paying Agent shall hold all sums held by it for the payment to the Certificateholders in trust for the benefit of the Certificateholders entitled thereto until such sums shall be distributed to such Certificateholders. Any sums so held by such Paying Agent shall be held only in Eligible Accounts to the extent such sums are not distributed to the Certificateholders on the date of receipt by such Paying Agent. Section 5.06. U.S.A. Patriot Act Compliance. In order for it to comply with its duties under the U.S.A. Patriot Act, the Trustee shall obtain and verify certain information from the other parties hereto, including but not limited to such parties' name, address and other identifying information. 89 ARTICLE VI THE COMPANY AND THE MASTER SERVICER Section 6.01. Respective Liabilities of the Company and the Master Servicer. The Company and the Master Servicer shall each be liable in accordance herewith only to the extent of the obligations specifically and respectively imposed upon and undertaken by the Company and the Master Servicer herein. By way of illustration and not limitation, the Company is not liable for the servicing and administration of the Mortgage Loans, nor is it obligated by Section 7.01 or Section 10.01 to assume any obligations of the Master Servicer or to appoint a designee to assume such obligations, nor is it liable for any other obligation hereunder that it may, but is not obligated to, assume unless it elects to assume such obligation in accordance herewith. Section 6.02. Merger or Consolidation of the Company or the Master Servicer; Assignment of Rights and Delegation of Duties by Master Servicer. (a) The Company and the Master Servicer shall each keep in full effect its existence, rights and franchises as a corporation under the laws of the state of its incorporation, and shall each obtain and preserve its qualification to do business as a foreign corporation in each jurisdiction in which such qualification is or shall be necessary to protect the validity and enforceability of this Agreement, the Certificates or any of the Mortgage Loans and to perform its respective duties under this Agreement. (b) Any Person into which the Company or the Master Servicer may be merged or consolidated, or any corporation resulting from any merger or consolidation to which the Company or the Master Servicer shall be a party, or any Person succeeding to the business of the Company or the Master Servicer, shall be the successor of the Company or the Master Servicer, as the case may be, hereunder, without the execution or filing of any paper or any further act on the part of any of the parties hereto, anything herein to the contrary notwithstanding; provided, however, that the successor or surviving Person to the Master Servicer shall be qualified to service mortgage loans on behalf of Fannie Mae or Freddie Mac; and provided further that each Rating Agency's ratings, if any, of the Senior (in the case of the Insured Certificates (as defined in the Series Supplement), such determination shall be made without giving effect to the Certificate Policy (as defined in the Series Supplement)), Class M or Class B Certificates in effect immediately prior to such merger or consolidation will not be qualified, reduced or withdrawn as a result thereof (as evidenced by a letter to such effect from each Rating Agency). (c) Notwithstanding anything else in this Section 6.02 and Section 6.04 to the contrary, the Master Servicer may assign its rights and delegate its duties and obligations under this Agreement; provided that the Person accepting such assignment or delegation shall be a Person which is qualified to service mortgage loans on behalf of Fannie Mae or Freddie Mac, is reasonably satisfactory to the Trustee and the Company, is willing to service the Mortgage Loans and executes and delivers to the Company and the Trustee an agreement, in form and substance reasonably satisfactory to the Company and the Trustee, which contains an assumption by such Person of the due and punctual performance and observance of each covenant and condition to be performed or observed by the Master Servicer under this Agreement; provided further that each Rating Agency's rating of the Classes of Certificates (in the case of the Insured Certificates (as defined in the Series Supplement), such determination shall be made without giving effect to the Certificate Policy (as defined in the Series Supplement)) 90 that have been rated in effect immediately prior to such assignment and delegation will not be qualified, reduced or withdrawn as a result of such assignment and delegation (as evidenced by a letter to such effect from each Rating Agency). In the case of any such assignment and delegation, the Master Servicer shall be released from its obligations under this Agreement, except that the Master Servicer shall remain liable for all liabilities and obligations incurred by it as Master Servicer hereunder prior to the satisfaction of the conditions to such assignment and delegation set forth in the next preceding sentence. Section 6.03. Limitation on Liability of the Company, the Master Servicer and Others. Neither the Company, the Master Servicer nor any of the directors, officers, employees or agents of the Company or the Master Servicer shall be under any liability to the Trust Fund or the Certificateholders for any action taken or for refraining from the taking of any action in good faith pursuant to this Agreement, or for errors in judgment; provided, however, that this provision shall not protect the Company, the Master Servicer or any such Person against any breach of warranties or representations made herein or any liability which would otherwise be imposed by reason of willful misfeasance, bad faith or gross negligence in the performance of duties or by reason of reckless disregard of obligations and duties hereunder. The Company, the Master Servicer and any director, officer, employee or agent of the Company or the Master Servicer may rely in good faith on any document of any kind prima facie properly executed and submitted by any Person respecting any matters arising hereunder. The Company, the Master Servicer and any director, officer, employee or agent of the Company or the Master Servicer shall be indemnified by the Trust Fund and held harmless against any loss, liability or expense incurred in connection with any legal action relating to this Agreement or the Certificates, other than any loss, liability or expense related to any specific Mortgage Loan or Mortgage Loans (except as any such loss, liability or expense shall be otherwise reimbursable pursuant to this Agreement) and any loss, liability or expense incurred by reason of willful misfeasance, bad faith or gross negligence in the performance of duties hereunder or by reason of reckless disregard of obligations and duties hereunder. Neither the Company nor the Master Servicer shall be under any obligation to appear in, prosecute or defend any legal or administrative action, proceeding, hearing or examination that is not incidental to its respective duties under this Agreement and which in its opinion may involve it in any expense or liability; provided, however, that the Company or the Master Servicer may in its discretion undertake any such action, proceeding, hearing or examination that it may deem necessary or desirable in respect to this Agreement and the rights and duties of the parties hereto and the interests of the Certificateholders hereunder. In such event, the legal expenses and costs of such action, proceeding, hearing or examination and any liability resulting therefrom shall be expenses, costs and liabilities of the Trust Fund, and the Company and the Master Servicer shall be entitled to be reimbursed therefor out 91 of amounts attributable to the Mortgage Loans on deposit in the Custodial Account as provided by Section 3.10 and, on the Distribution Date(s) following such reimbursement, the aggregate of such expenses and costs shall be allocated in reduction of the Accrued Certificate Interest on each Class entitled thereto in the same manner as if such expenses and costs constituted a Prepayment Interest Shortfall. Section 6.04. Company and Master Servicer Not to Resign. Subject to the provisions of Section 6.02, neither the Company nor the Master Servicer shall resign from its respective obligations and duties hereby imposed on it except upon determination that its duties hereunder are no longer permissible under applicable law. Any such determination permitting the resignation of the Company or the Master Servicer shall be evidenced by an Opinion of Counsel to such effect delivered to the Trustee. No such resignation by the Master Servicer shall become effective until the Trustee or a successor servicer shall have assumed the Master Servicer's responsibilities and obligations in accordance with Section 7.02. 92 ARTICLE VII DEFAULT Section 7.01. Events of Default. Event of Default, wherever used herein, means any one of the following events (whatever reason for such Event of Default and whether it shall be voluntary or involuntary or be effected by operation of law or pursuant to any judgment, decree or order of any court or any order, rule or regulation of any administrative or governmental body): (i) the Master Servicer shall fail to deposit or cause to be deposited into the Certificate Account any amounts required to be so deposited therein at the time required pursuant to Section 4.01 or otherwise or the Master Servicer shall fail to distribute or cause to be distributed to the Holders of Certificates of any Class any distribution required to be made under the terms of the Certificates of such Class and this Agreement and, in each case, such failure shall continue unremedied for a period of 5 days after the date upon which written notice of such failure, requiring such failure to be remedied, shall have been given to the Master Servicer by the Trustee or the Company or to the Master Servicer, the Company and the Trustee by the Holders of Certificates of such Class evidencing Percentage Interests aggregating not less than 25%; or (ii) the Master Servicer shall fail to observe or perform in any material respect any other of the covenants or agreements on the part of the Master Servicer contained in the Certificates of any Class or in this Agreement and such failure shall continue unremedied for a period of 30 days (except that such number of days shall be 15 in the case of a failure to pay the premium for any Required Insurance Policy) after the date on which written notice of such failure, requiring the same to be remedied, shall have been given to the Master Servicer by the Trustee or the Company, or to the Master Servicer, the Company and the Trustee by the Holders of Certificates of any Class evidencing, in the case of any such Class, Percentage Interests aggregating not less than 25%; or (iii) a decree or order of a court or agency or supervisory authority having jurisdiction in the premises in an involuntary case under any present or future federal or state bankruptcy, insolvency or similar law or appointing a conservator or receiver or liquidator in any insolvency, readjustment of debt, marshalling of assets and liabilities or similar proceedings, or for the winding-up or liquidation of its affairs, shall have been entered against the Master Servicer and such decree or order shall have remained in force undischarged or unstayed for a period of 60 days; or (iv) the Master Servicer shall consent to the appointment of a conservator or receiver or liquidator in any insolvency, readjustment of debt, marshalling of assets and liabilities, or similar proceedings of, or relating to, the Master Servicer or of, or relating to, all or substantially all of the property of the Master Servicer; or (v) the Master Servicer shall admit in writing its inability to pay its debts generally as they become due, file a petition to take advantage of, or commence a voluntary case under, any applicable insolvency or reorganization statute, make an assignment for the benefit of its creditors, or voluntarily suspend payment of its obligations; or 93 (vi) the Master Servicer shall notify the Trustee pursuant to Section 4.04(b) that it is unable to deposit in the Certificate Account an amount equal to the Advance. If an Event of Default described in clauses (i)-(v) of this Section shall occur, then, and in each and every such case, so long as such Event of Default shall not have been remedied, either the Company or the Trustee may, and at the direction of Holders of Certificates entitled to at least 51% of the Voting Rights, the Trustee shall, by notice in writing to the Master Servicer (and to the Company if given by the Trustee or to the Trustee if given by the Company), terminate all of the rights and obligations of the Master Servicer under this Agreement and in and to the Mortgage Loans and the proceeds thereof, other than its rights as a Certificateholder hereunder. If an Event of Default described in clause (vi) hereof shall occur, the Trustee shall, by notice to the Master Servicer and the Company, immediately terminate all of the rights and obligations of the Master Servicer under this Agreement and in and to the Mortgage Loans and the proceeds thereof, other than its rights as a Certificateholder hereunder as provided in Section 4.04(b). On or after the receipt by the Master Servicer of such written notice, all authority and power of the Master Servicer under this Agreement, whether with respect to the Certificates (other than as a Holder thereof) or the Mortgage Loans or otherwise, shall subject to Section 7.02 pass to and be vested in the Trustee or the Trustee's designee appointed pursuant to Section 7.02; and, without limitation, the Trustee is hereby authorized and empowered to execute and deliver, on behalf of the Master Servicer, as attorney-in-fact or otherwise, any and all documents and other instruments, and to do or accomplish all other acts or things necessary or appropriate to effect the purposes of such notice of termination, whether to complete the transfer and endorsement or assignment of the Mortgage Loans and related documents, or otherwise. The Master Servicer agrees to cooperate with the Trustee in effecting the termination of the Master Servicer's responsibilities and rights hereunder, including, without limitation, the transfer to the Trustee or its designee for administration by it of all cash amounts which shall at the time be credited to the Custodial Account or the Certificate Account or thereafter be received with respect to the Mortgage Loans. No such termination shall release the Master Servicer for any liability that it would otherwise have hereunder for any act or omission prior to the effective time of such termination. Notwithstanding any termination of the activities of Residential Funding in its capacity as Master Servicer hereunder, Residential Funding shall be entitled to receive, out of any late collection of a Monthly Payment on a Mortgage Loan which was due prior to the notice terminating Residential Funding's rights and obligations as Master Servicer hereunder and received after such notice, that portion to which Residential Funding would have been entitled pursuant to Sections 3.10(a)(ii), (vi) and (vii) as well as its Servicing Fee in respect thereof, and any other amounts payable to Residential Funding hereunder the entitlement to which arose prior to the termination of its activities hereunder. Upon the termination of Residential Funding as Master Servicer hereunder the Company shall deliver to the Trustee a copy of the Program Guide. 94 Section 7.02. Trustee or Company to Act; Appointment of Successor. (a) On and after the time the Master Servicer receives a notice of termination pursuant to Section 7.01 or resigns in accordance with Section 6.04, the Trustee or, upon notice to the Company and with the Company's consent (which shall not be unreasonably withheld) a designee (which meets the standards set forth below) of the Trustee, shall be the successor in all respects to the Master Servicer in its capacity as servicer under this Agreement and the transactions set forth or provided for herein and shall be subject to all the responsibilities, duties and liabilities relating thereto placed on the Master Servicer (except for the responsibilities, duties and liabilities contained in Sections 2.02 and 2.03(a), excluding the duty to notify related Subservicers or Sellers as set forth in such Sections, and its obligations to deposit amounts in respect of losses incurred prior to such notice or termination on the investment of funds in the Custodial Account or the Certificate Account pursuant to Sections 3.07(c) and 4.01(b) by the terms and provisions hereof); provided, however, that any failure to perform such duties or responsibilities caused by the preceding Master Servicer's failure to provide information required by Section 4.04 shall not be considered a default by the Trustee hereunder. As compensation therefor, the Trustee shall be entitled to all funds relating to the Mortgage Loans which the Master Servicer would have been entitled to charge to the Custodial Account or the Certificate Account if the Master Servicer had continued to act hereunder and, in addition, shall be entitled to the income from any Permitted Investments made with amounts attributable to the Mortgage Loans held in the Custodial Account or the Certificate Account. If the Trustee has become the successor to the Master Servicer in accordance with Section 6.04 or Section 7.01, then notwithstanding the above, the Trustee may, if it shall be unwilling to so act, or shall, if it is unable to so act, appoint, or petition a court of competent jurisdiction to appoint, any established housing and home finance institution, which is also a Fannie Mae- or Freddie Mac-approved mortgage servicing institution, having a net worth of not less than $10,000,000 as the successor to the Master Servicer hereunder in the assumption of all or any part of the responsibilities, duties or liabilities of the Master Servicer hereunder. Pending appointment of a successor to the Master Servicer hereunder, the Trustee shall become successor to the Master Servicer and shall act in such capacity as hereinabove provided. In connection with such appointment and assumption, the Trustee may make such arrangements for the compensation of such successor out of payments on Mortgage Loans as it and such successor shall agree; provided, however, that no such compensation shall be in excess of that permitted the initial Master Servicer hereunder. The Company, the Trustee, the Custodian and such successor shall take such action, consistent with this Agreement, as shall be necessary to effectuate any such succession. The Servicing Fee for any successor Master Servicer appointed pursuant to this Section 7.02 will be lowered with respect to those Mortgage Loans, if any, where the Subservicing Fee accrues at a rate of less than 0.20% per annum in the event that the successor Master Servicer is not servicing such Mortgage Loans directly and it is necessary to raise the related Subservicing Fee to a rate of 0.20% per annum in order to hire a Subservicer with respect to such Mortgage Loans. (b) In connection with the termination or resignation of the Master Servicer hereunder, either (i) the successor Master Servicer, including the Trustee if the Trustee is acting as successor Master Servicer, shall represent and warrant that it is a member of MERS in good standing and shall agree to comply in all material respects with the rules and procedures of MERS in connection with the servicing of the Mortgage Loans that are registered with MERS, in which case the predecessor Master Servicer shall cooperate with the successor Master Servicer in causing MERS to revise its records to reflect the transfer of servicing to the successor Master Servicer as necessary under MERS' rules and regulations, or (ii) the predecessor Master Servicer shall cooperate with the successor Master Servicer in causing MERS to execute and deliver an 95 assignment of Mortgage in recordable form to transfer the Mortgage from MERS to the Trustee and to execute and deliver such other notices, documents and other instruments as may be necessary or desirable to effect a transfer of such Mortgage Loan or servicing of such Mortgage Loan on the MERS(R) System to the successor Master Servicer. The predecessor Master Servicer shall file or cause to be filed any such assignment in the appropriate recording office. The predecessor Master Servicer shall bear any and all fees of MERS, costs of preparing any assignments of Mortgage, and fees and costs of filing any assignments of Mortgage that may be required under this subsection (b). The successor Master Servicer shall cause such assignment to be delivered to the Trustee or the Custodian promptly upon receipt of the original with evidence of recording thereon or a copy certified by the public recording office in which such assignment was recorded. Section 7.03. Notification to Certificateholders. (a) Upon any such termination or appointment of a successor to the Master Servicer, the Trustee shall give prompt written notice thereof to the Certificateholders at their respective addresses appearing in the Certificate Register. (b) Within 60 days after the occurrence of any Event of Default, the Trustee shall transmit by mail to all Holders of Certificates notice of each such Event of Default hereunder known to the Trustee, unless such Event of Default shall have been cured or waived. Section 7.04. Waiver of Events of Default. The Holders representing at least 66% of the Voting Rights affected by a default or Event of Default hereunder may waive such default or Event of Default; provided, however, that (a) a default or Event of Default under clause (i) of Section 7.01 may be waived only by all of the Holders of Certificates affected by such default or Event of Default and (b) no waiver pursuant to this Section 7.04 shall affect the Holders of Certificates in the manner set forth in Section 11.01(b)(i) or (ii). Upon any such waiver of a default or Event of Default by the Holders representing the requisite percentage of Voting Rights affected by such default or Event of Default, such default or Event of Default shall cease to exist and shall be deemed to have been remedied for every purpose hereunder. No such waiver shall extend to any subsequent or other default or Event of Default or impair any right consequent thereon except to the extent expressly so waived. 96 ARTICLE VIII CONCERNING THE TRUSTEE Section 8.01. Duties of Trustee. (a) The Trustee, prior to the occurrence of an Event of Default and after the curing or waiver of all Events of Default which may have occurred, undertakes to perform such duties and only such duties as are specifically set forth in this Agreement. In case an Event of Default has occurred (which has not been cured or waived), the Trustee shall exercise such of the rights and powers vested in it by this Agreement, and use the same degree of care and skill in their exercise as a prudent investor would exercise or use under the circumstances in the conduct of such investor's own affairs. (b) The Trustee, upon receipt of all resolutions, certificates, statements, opinions, reports, documents, orders or other instruments furnished to the Trustee which are specifically required to be furnished pursuant to any provision of this Agreement, shall examine them to determine whether they conform to the requirements of this Agreement. The Trustee shall notify the Certificateholders of any such documents which do not materially conform to the requirements of this Agreement in the event that the Trustee, after so requesting, does not receive satisfactorily corrected documents. The Trustee shall forward or cause to be forwarded in a timely fashion the notices, reports and statements required to be forwarded by the Trustee pursuant to Sections 4.03, 4.06, 7.03 and 10.01. The Trustee shall furnish in a timely fashion to the Master Servicer such information as the Master Servicer may reasonably request from time to time for the Master Servicer to fulfill its duties as set forth in this Agreement. The Trustee covenants and agrees that it shall perform its obligations hereunder in a manner so as to maintain the status of any portion of any REMIC formed under the Series Supplement as a REMIC under the REMIC Provisions and (subject to Section 10.01(f)) to prevent the imposition of any federal, state or local income, prohibited transaction, contribution or other tax on the Trust Fund to the extent that maintaining such status and avoiding such taxes are reasonably within the control of the Trustee and are reasonably within the scope of its duties under this Agreement. (c) No provision of this Agreement shall be construed to relieve the Trustee from liability for its own negligent action, its own negligent failure to act or its own willful misconduct; provided, however, that: (i) Prior to the occurrence of an Event of Default, and after the curing or waiver of all such Events of Default which may have occurred, the duties and obligations of the Trustee shall be determined solely by the express provisions of this Agreement, the Trustee shall not be liable except for the performance of such duties and obligations as are specifically set forth in this Agreement, no implied covenants or obligations shall be read into this Agreement against the Trustee and, in the absence of bad 97 faith on the part of the Trustee, the Trustee may conclusively rely, as to the truth of the statements and the correctness of the opinions expressed therein, upon any certificates or opinions furnished to the Trustee by the Company or the Master Servicer and which on their face, do not contradict the requirements of this Agreement; (ii) The Trustee shall not be personally liable for an error of judgment made in good faith by a Responsible Officer or Responsible Officers of the Trustee, unless it shall be proved that the Trustee was negligent in ascertaining the pertinent facts; (iii) The Trustee shall not be personally liable with respect to any action taken, suffered or omitted to be taken by it in good faith in accordance with the direction of Certificateholders of any Class holding Certificates which evidence, as to such Class, Percentage Interests aggregating not less than 25% as to the time, method and place of conducting any proceeding for any remedy available to the Trustee, or exercising any trust or power conferred upon the Trustee, under this Agreement; (iv) The Trustee shall not be charged with knowledge of any default (other than a default in payment to the Trustee) specified in clauses (i) and (ii) of Section 7.01 or an Event of Default under clauses (iii), (iv) and (v) of Section 7.01 unless a Responsible Officer of the Trustee assigned to and working in the Corporate Trust Office obtains actual knowledge of such failure or event or the Trustee receives written notice of such failure or event at its Corporate Trust Office from the Master Servicer, the Company or any Certificateholder; and (v) Except to the extent provided in Section 7.02, no provision in this Agreement shall require the Trustee to expend or risk its own funds (including, without limitation, the making of any Advance) or otherwise incur any personal financial liability in the performance of any of its duties as Trustee hereunder, or in the exercise of any of its rights or powers, if the Trustee shall have reasonable grounds for believing that repayment of funds or adequate indemnity against such risk or liability is not reasonably assured to it. (d) The Trustee shall timely pay, from its own funds, the amount of any and all federal, state and local taxes imposed on the Trust Fund or its assets or transactions including, without limitation, (A) "prohibited transaction" penalty taxes as defined in Section 860F of the Code, if, when and as the same shall be due and payable, (B) any tax on contributions to a REMIC after the Closing Date imposed by Section 860G(d) of the Code and (C) any tax on "net income from foreclosure property" as defined in Section 860G(c) of the Code, but only if such taxes arise out of a breach by the Trustee of its obligations hereunder, which breach constitutes negligence or willful misconduct of the Trustee. Section 8.02. Certain Matters Affecting the Trustee. (a) Except as otherwise provided in Section 8.01: (i) The Trustee may rely and shall be protected in acting or refraining from acting upon any resolution, Officers' Certificate, certificate of auditors or any other certificate, statement, instrument, opinion, report, notice, request, consent, order, appraisal, bond or other paper or document believed by it to be genuine and to have been signed or presented by the proper party or parties; 98 (ii) The Trustee may consult with counsel and any Opinion of Counsel shall be full and complete authorization and protection in respect of any action taken or suffered or omitted by it hereunder in good faith and in accordance with such Opinion of Counsel; (iii) The Trustee shall be under no obligation to exercise any of the trusts or powers vested in it by this Agreement or to institute, conduct or defend any litigation hereunder or in relation hereto at the request, order or direction of any of the Certificateholders, pursuant to the provisions of this Agreement, unless such Certificateholders shall have offered to the Trustee reasonable security or indemnity against the costs, expenses and liabilities which may be incurred therein or thereby; nothing contained herein shall, however, relieve the Trustee of the obligation, upon the occurrence of an Event of Default (which has not been cured or waived), to exercise such of the rights and powers vested in it by this Agreement, and to use the same degree of care and skill in their exercise as a prudent investor would exercise or use under the circumstances in the conduct of such investor's own affairs; (iv) The Trustee shall not be personally liable for any action taken, suffered or omitted by it in good faith and believed by it to be authorized or within the discretion or rights or powers conferred upon it by this Agreement; (v) Prior to the occurrence of an Event of Default hereunder and after the curing or waiver of all Events of Default which may have occurred, the Trustee shall not be bound to make any investigation into the facts or matters stated in any resolution, certificate, statement, instrument, opinion, report, notice, request, consent, order, approval, bond or other paper or document, unless requested in writing so to do by Holders of Certificates of any Class evidencing, as to such Class, Percentage Interests, aggregating not less than 50%; provided, however, that if the payment within a reasonable time to the Trustee of the costs, expenses or liabilities likely to be incurred by it in the making of such investigation is, in the opinion of the Trustee, not reasonably assured to the Trustee by the security afforded to it by the terms of this Agreement, the Trustee may require reasonable indemnity against such expense or liability as a condition to so proceeding. The reasonable expense of every such examination shall be paid by the Master Servicer, if an Event of Default shall have occurred and is continuing, and otherwise by the Certificateholder requesting the investigation; (vi) The Trustee may execute any of the trusts or powers hereunder or perform any duties hereunder either directly or by or through agents or attorneys; and (vii) To the extent authorized under the Code and the regulations promulgated thereunder, each Holder of a Class R Certificate hereby irrevocably appoints and authorizes the Trustee to be its attorney-in-fact for purposes of signing any Tax Returns required to be filed on behalf of the Trust Fund. The Trustee shall sign on behalf of the Trust Fund and deliver to the Master Servicer in a timely manner any Tax Returns prepared by or on behalf of the Master Servicer that the Trustee is required to sign as determined by the Master Servicer pursuant to applicable federal, state or local tax laws, provided that the Master Servicer shall indemnify the Trustee for signing any such Tax Returns that contain errors or omissions. 99 (b) Following the issuance of the Certificates, the Trustee shall not accept any contribution of assets to the Trust Fund unless (subject to Section 10.01(f)) it shall have obtained or been furnished with an Opinion of Counsel to the effect that such contribution will not (i) cause any portion of any REMIC formed under the Series Supplement to fail to qualify as a REMIC at any time that any Certificates are outstanding or (ii) cause the Trust Fund to be subject to any federal tax as a result of such contribution (including the imposition of any federal tax on "prohibited transactions" imposed under Section 860F(a) of the Code). Section 8.03. Trustee Not Liable for Certificates or Mortgage Loans. The recitals contained herein and in the Certificates (other than the execution of the Certificates and relating to the acceptance and receipt of the Mortgage Loans) shall be taken as the statements of the Company or the Master Servicer as the case may be, and the Trustee assumes no responsibility for their correctness. The Trustee makes no representations as to the validity or sufficiency of this Agreement or of the Certificates (except that the Certificates shall be duly and validly executed and authenticated by it as Certificate Registrar) or of any Mortgage Loan or related document, or of MERS or the MERS(R) System. Except as otherwise provided herein, the Trustee shall not be accountable for the use or application by the Company or the Master Servicer of any of the Certificates or of the proceeds of such Certificates, or for the use or application of any funds paid to the Company or the Master Servicer in respect of the Mortgage Loans or deposited in or withdrawn from the Custodial Account or the Certificate Account by the Company or the Master Servicer. Section 8.04. Trustee May Own Certificates. The Trustee in its individual or any other capacity may become the owner or pledgee of Certificates with the same rights it would have if it were not Trustee. Section 8.05. Master Servicer to Pay Trustee's Fees and Expenses; Indemnification. (a) The Master Servicer covenants and agrees to pay to the Trustee and any co-trustee from time to time, and the Trustee and any co-trustee shall be entitled to, reasonable compensation (which shall not be limited by any provision of law in regard to the compensation of a trustee of an express trust) for all services rendered by each of them in the execution of the trusts hereby created and in the exercise and performance of any of the powers and duties hereunder of the Trustee and any co-trustee, and the Master Servicer will pay or reimburse the Trustee and any co-trustee upon request for all reasonable expenses, disbursements and advances incurred or made by the Trustee or any co-trustee in accordance with any of the provisions of this Agreement (including the reasonable compensation and the expenses and disbursements of its counsel and of all persons not regularly in its employ, and the expenses incurred by the Trustee or any co-trustee in connection with the appointment of an office or agency pursuant to Section 8.12) except any such expense, disbursement or advance as may arise from its negligence or bad faith. 100 (b) The Master Servicer agrees to indemnify the Trustee for, and to hold the Trustee harmless against, any loss, liability or expense incurred without negligence or willful misconduct on the Trustee's part, arising out of, or in connection with, the acceptance and administration of the Trust Fund, including the costs and expenses (including reasonable legal fees and expenses) of defending itself against any claim in connection with the exercise or performance of any of its powers or duties under this Agreement and the Custodial Agreement, including, without limitation, all costs, liabilities and expenses (including reasonable legal fees and expenses) of investigating and defending itself against any claim, action or proceeding, pending or threatened, relating to the provisions of this paragraph, provided that: (i) with respect to any such claim, the Trustee shall have given the Master Servicer written notice thereof promptly after the Trustee shall have actual knowledge thereof; (ii) while maintaining control over its own defense, the Trustee shall cooperate and consult fully with the Master Servicer in preparing such defense; and (iii) notwithstanding anything in this Agreement to the contrary, the Master Servicer shall not be liable for settlement of any claim by the Trustee entered into without the prior consent of the Master Servicer which consent shall not be unreasonably withheld. No termination of this Agreement shall affect the obligations created by this Section 8.05(b) of the Master Servicer to indemnify the Trustee under the conditions and to the extent set forth herein. Notwithstanding the foregoing, the indemnification provided by the Master Servicer in this Section 8.05(b) shall not pertain to any loss, liability or expense of the Trustee, including the costs and expenses of defending itself against any claim, incurred in connection with any actions taken by the Trustee at the direction of the Certificateholders pursuant to the terms of this Agreement. Section 8.06. Eligibility Requirements for Trustee. The Trustee hereunder shall at all times be a corporation or a national banking association having its principal office in a state and city acceptable to the Company and organized and doing business under the laws of such state or the United States of America, authorized under such laws to exercise corporate trust powers, having a combined capital and surplus of at least $50,000,000 and subject to supervision or examination by federal or state authority. If such corporation or national banking association publishes reports of condition at least annually, pursuant to law or to the requirements of the aforesaid supervising or examining authority, then for the purposes of this Section the combined capital and surplus of such corporation shall be deemed to be its combined capital and surplus as set forth in its most recent report of condition so published. In case at any time the Trustee shall cease to be eligible in accordance with the provisions of this Section, the Trustee shall resign immediately in the manner and with the effect specified in Section 8.07. 101 Section 8.07. Resignation and Removal of the Trustee. (a) The Trustee may at any time resign and be discharged from the trusts hereby created by giving written notice thereof to the Company. Upon receiving such notice of resignation, the Company shall promptly appoint a successor trustee by written instrument, in duplicate, one copy of which instrument shall be delivered to the resigning Trustee and one copy to the successor trustee. If no successor trustee shall have been so appointed and have accepted appointment within 30 days after the giving of such notice of resignation, the resigning Trustee may petition any court of competent jurisdiction for the appointment of a successor trustee. (b) If at any time the Trustee shall cease to be eligible in accordance with the provisions of Section 8.06 and shall fail to resign after written request therefor by the Company, or if at any time the Trustee shall become incapable of acting, or shall be adjudged bankrupt or insolvent, or a receiver of the Trustee or of its property shall be appointed, or any public officer shall take charge or control of the Trustee or of its property or affairs for the purpose of rehabilitation, conservation or liquidation, then the Company may remove the Trustee and appoint a successor trustee by written instrument, in duplicate, one copy of which instrument shall be delivered to the Trustee so removed and one copy to the successor trustee. In addition, in the event that the Company determines that the Trustee has failed (i) to distribute or cause to be distributed to the Certificateholders any amount required to be distributed hereunder, if such amount is held by the Trustee or its Paying Agent (other than the Master Servicer or the Company) for distribution or (ii) to otherwise observe or perform in any material respect any of its covenants, agreements or obligations hereunder, and such failure shall continue unremedied for a period of 5 days (in respect of clause (i) above) or 30 days (in respect of clause (ii) above) after the date on which written notice of such failure, requiring that the same be remedied, shall have been given to the Trustee by the Company, then the Company may remove the Trustee and appoint a successor trustee by written instrument delivered as provided in the preceding sentence. In connection with the appointment of a successor trustee pursuant to the preceding sentence, the Company shall, on or before the date on which any such appointment becomes effective, obtain from each Rating Agency written confirmation that the appointment of any such successor trustee will not result in the reduction of the ratings on any class of the Certificates below the lesser of the then current or original ratings on such Certificates. (c) The Holders of Certificates entitled to at least 51% of the Voting Rights may at any time remove the Trustee and appoint a successor trustee by written instrument or instruments, in triplicate, signed by such Holders or their attorneys-in-fact duly authorized, one complete set of which instruments shall be delivered to the Company, one complete set to the Trustee so removed and one complete set to the successor so appointed. (d) Any resignation or removal of the Trustee and appointment of a successor trustee pursuant to any of the provisions of this Section shall become effective upon acceptance of appointment by the successor trustee as provided in Section 8.08. Section 8.08. Successor Trustee. (a) Any successor trustee appointed as provided in Section 8.07 shall execute, acknowledge and deliver to the Company and to its predecessor trustee an instrument accepting such appointment hereunder, and thereupon the resignation or removal of the predecessor trustee shall become effective and such successor trustee shall become effective and such successor trustee, without any further act, deed or conveyance, shall become fully vested with all the rights, powers, 102 duties and obligations of its predecessor hereunder, with the like effect as if originally named as trustee herein. The predecessor trustee shall deliver to the successor trustee all Mortgage Files and related documents and statements held by it hereunder (other than any Mortgage Files at the time held by a Custodian, which shall become the agent of any successor trustee hereunder), and the Company, the Master Servicer and the predecessor trustee shall execute and deliver such instruments and do such other things as may reasonably be required for more fully and certainly vesting and confirming in the successor trustee all such rights, powers, duties and obligations. (b) No successor trustee shall accept appointment as provided in this Section unless at the time of such acceptance such successor trustee shall be eligible under the provisions of Section 8.06. (c) Upon acceptance of appointment by a successor trustee as provided in this Section, the Company shall mail notice of the succession of such trustee hereunder to all Holders of Certificates at their addresses as shown in the Certificate Register. If the Company fails to mail such notice within 10 days after acceptance of appointment by the successor trustee, the successor trustee shall cause such notice to be mailed at the expense of the Company. Section 8.09. Merger or Consolidation of Trustee. Any corporation or national banking association into which the Trustee may be merged or converted or with which it may be consolidated or any corporation or national banking association resulting from any merger, conversion or consolidation to which the Trustee shall be a party, or any corporation or national banking association succeeding to the business of the Trustee, shall be the successor of the Trustee hereunder, provided such corporation or national banking association shall be eligible under the provisions of Section 8.06, without the execution or filing of any paper or any further act on the part of any of the parties hereto, anything herein to the contrary notwithstanding. The Trustee shall mail notice of any such merger or consolidation to the Certificateholders at their address as shown in the Certificate Register. Section 8.10. Appointment of Co-Trustee or Separate Trustee. (a) Notwithstanding any other provisions hereof, at any time, for the purpose of meeting any legal requirements of any jurisdiction in which any part of the Trust Fund or property securing the same may at the time be located, the Master Servicer and the Trustee acting jointly shall have the power and shall execute and deliver all instruments to appoint one or more Persons approved by the Trustee to act as co-trustee or co-trustees, jointly with the Trustee, or separate trustee or separate trustees, of all or any part of the Trust Fund, and to vest in such Person or Persons, in such capacity, such title to the Trust Fund, or any part thereof, and, subject to the other provisions of this Section 8.10, such powers, duties, obligations, rights and trusts as the Master Servicer and the Trustee may consider necessary or desirable. If the Master Servicer shall not have joined in such appointment within 15 days after the receipt by it 103 of a request so to do, or in case an Event of Default shall have occurred and be continuing, the Trustee alone shall have the power to make such appointment. No co-trustee or separate trustee hereunder shall be required to meet the terms of eligibility as a successor trustee under Section 8.06 hereunder and no notice to Holders of Certificates of the appointment of co-trustee(s) or separate trustee(s) shall be required under Section 8.08 hereof. (b) In the case of any appointment of a co-trustee or separate trustee pursuant to this Section 8.10 all rights, powers, duties and obligations conferred or imposed upon the Trustee shall be conferred or imposed upon and exercised or performed by the Trustee, and such separate trustee or co-trustee jointly, except to the extent that under any law of any jurisdiction in which any particular act or acts are to be performed (whether as Trustee hereunder or as successor to the Master Servicer hereunder), the Trustee shall be incompetent or unqualified to perform such act or acts, in which event such rights, powers, duties and obligations (including the holding of title to the Trust Fund or any portion thereof in any such jurisdiction) shall be exercised and performed by such separate trustee or co-trustee at the direction of the Trustee. (c) Any notice, request or other writing given to the Trustee shall be deemed to have been given to each of the then separate trustees and co-trustees, as effectively as if given to each of them. Every instrument appointing any separate trustee or co-trustee shall refer to this Agreement and the conditions of this Article VIII. Each separate trustee and co-trustee, upon its acceptance of the trusts conferred, shall be vested with the estates or property specified in its instrument of appointment, either jointly with the Trustee or separately, as may be provided therein, subject to all the provisions of this Agreement, specifically including every provision of this Agreement relating to the conduct of, affecting the liability of, or affording protection to, the Trustee. Every such instrument shall be filed with the Trustee. (d) Any separate trustee or co-trustee may, at any time, constitute the Trustee, its agent or attorney-in-fact, with full power and authority, to the extent not prohibited by law, to do any lawful act under or in respect of this Agreement on its behalf and in its name. If any separate trustee or co-trustee shall die, become incapable of acting, resign or be removed, all of its estates, properties, rights, remedies and trusts shall vest in and be exercised by the Trustee, to the extent permitted by law, without the appointment of a new or successor trustee. Section 8.11. Appointment of Custodians. The Trustee may, with the consent of the Master Servicer and the Company, appoint one or more Custodians who are not Affiliates of the Company, the Master Servicer or any Seller to hold all or a portion of the Mortgage Files as agent for the Trustee, by entering into a Custodial Agreement. Subject to Article VIII, the Trustee agrees to comply with the terms of each Custodial Agreement and to enforce the terms and provisions thereof against the Custodian for the benefit of the Certificateholders. Each Custodian shall be a depository institution subject to supervision by federal or state authority, shall have a combined capital and surplus of at least $15,000,000 and shall be qualified to do business in the jurisdiction in which it holds any Mortgage File. Each Custodial Agreement may be amended only as provided in Section 11.01. The Trustee shall notify the Certificateholders of the appointment of any Custodian (other than the Custodian appointed as of the Closing Date) pursuant to this Section 8.11. 104 Section 8.12. Appointment of Office or Agency. The Trustee will maintain an office or agency in the City of New York at the address designated in Section 11.05 of the Series Supplement where Certificates may be surrendered for registration of transfer or exchange. The Trustee will maintain an office at the address stated in Section 11.05 of the Series Supplement where notices and demands to or upon the Trustee in respect of this Agreement may be served. 105 ARTICLE IX TERMINATION OR OPTIONAL PURCHASE OF ALL CERTIFICATES Section 9.01. Optional Purchase by the Master Servicer of All Certificates; Termination Upon Purchase by the Master Servicer or Liquidation of All Mortgage Loans (a) Subject to Section 9.02, the respective obligations and responsibilities of the Company, the Master Servicer and the Trustee created hereby in respect of the Certificates (other than the obligation of the Trustee to make certain payments after the Final Distribution Date to Certificateholders and the obligation of the Company to send certain notices as hereinafter set forth) shall terminate upon the last action required to be taken by the Trustee on the Final Distribution Date pursuant to this Article IX following the earlier of: (i) the later of the final payment or other liquidation (or any Advance with respect thereto) of the last Mortgage Loan remaining in the Trust Fund or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan, or (ii) the purchase by the Master Servicer of all Mortgage Loans and all property acquired in respect of any Mortgage Loan remaining in the Trust Fund at a price equal to 100% of the unpaid principal balance of each Mortgage Loan or, if less than such unpaid principal balance, the fair market value of the related underlying property of such Mortgage Loan with respect to Mortgage Loans as to which title has been acquired if such fair market value is less than such unpaid principal balance (net of any unreimbursed Advances attributable to principal) on the day of repurchase plus accrued interest thereon at the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of any Modified Mortgage Loan) to, but not including, the first day of the month in which such repurchase price is distributed, provided, however, that in no event shall the trust created hereby continue beyond the expiration of 21 years from the death of the last survivor of the descendants of Joseph P. Kennedy, the late ambassador of the United States to the Court of St. James, living on the date hereof and provided further that the purchase price set forth above shall be increased as is necessary, as determined by the Master Servicer, to avoid disqualification of any portion of any REMIC formed under the Series Supplement as a REMIC. The purchase price paid by the Master Servicer shall also include any amounts owed by Residential Funding pursuant to the last paragraph of Section 4 of the Assignment Agreement in respect of any liability, penalty or expense that resulted from a breach of the Compliance With Laws Representation, that remain unpaid on the date of such purchase. The right of the Master Servicer to purchase all the assets of the Trust Fund pursuant to clause (ii) above is conditioned upon the Pool Stated Principal Balance as of the Final Distribution Date, prior to giving effect to distributions to be made on such Distribution Date, being less than ten percent of the Cut-off Date Principal Balance of the Mortgage Loans. 106 If such right is exercised by the Master Servicer, the Master Servicer shall be deemed to have been reimbursed for the full amount of any unreimbursed Advances theretofore made by it with respect to the Mortgage Loans. In addition, the Master Servicer shall provide to the Trustee the certification required by Section 3.15 and the Trustee and any Custodian shall, promptly following payment of the purchase price, release to the Master Servicer the Mortgage Files pertaining to the Mortgage Loans being purchased. In addition to the foregoing, on any Distribution Date on which the Pool Stated Principal Balance, prior to giving effect to distributions to be made on such Distribution Date, is less than ten percent of the Cut-off Date Principal Balance of the Mortgage Loans, the Master Servicer shall have the right, at its option, to purchase the Certificates in whole, but not in part, at a price equal to the outstanding Certificate Principal Balance of such Certificates plus the sum of Accrued Certificate Interest thereon for the related Interest Accrual Period and any previously unpaid Accrued Certificate Interest. If the Master Servicer exercises this right to purchase the outstanding Certificates, the Master Servicer will promptly terminate the respective obligations and responsibilities created hereby in respect of the Certificates pursuant to this Article IX. (b) The Master Servicer shall give the Trustee not less than 60 days' prior notice of the Distribution Date on which the Master Servicer anticipates that the final distribution will be made to Certificateholders (whether as a result of the exercise by the Master Servicer of its right to purchase the assets of the Trust Fund or otherwise) or on which the Master Servicer anticipates that the Certificates will be purchased (as a result of the exercise by the Master Servicer to purchase the outstanding Certificates). Notice of any termination specifying the anticipated Final Distribution Date (which shall be a date that would otherwise be a Distribution Date) upon which the Certificateholders may surrender their Certificates to the Trustee (if so required by the terms hereof) for payment of the final distribution and cancellation or notice of any purchase of the outstanding Certificates, specifying the Distribution Date upon which the Holders may surrender their Certificates to the Trustee for payment, shall be given promptly by the Master Servicer (if it is exercising its right to purchase the assets of the Trust Fund or to purchase the outstanding Certificates), or by the Trustee (in any other case) by letter. Such notice shall be prepared by the Master Servicer (if it is exercising its right to purchase the assets of the Trust Fund or to purchase the outstanding Certificates), or by the Trustee (in any other case) and mailed by the Trustee to the Certificateholders not earlier than the 15th day and not later than the 25th day of the month next preceding the month of such final distribution specifying: (iii) the anticipated Final Distribution Date upon which final payment of the Certificates is anticipated to be made upon presentation and surrender of Certificates at the office or agency of the Trustee therein designated where required pursuant to this Agreement or, in the case of the purchase by the Master Servicer of the outstanding Certificates, the Distribution Date on which such purchase is to be made, (iv) the amount of any such final payment, or in the case of the purchase of the outstanding Certificates, the purchase price, in either case, if known, and 107 (v) that the Record Date otherwise applicable to such Distribution Date is not applicable, and in the case of the Senior Certificates, or in the case of all of the Certificates in connection with the exercise by the Master Servicer of its right to purchase the Certificates, that payment will be made only upon presentation and surrender of the Certificates at the office or agency of the Trustee therein specified. If the Master Servicer is obligated to give notice to Certificateholders as aforesaid, it shall give such notice to the Certificate Registrar at the time such notice is given to Certificateholders and, if the Master Servicer is exercising its rights to purchase the outstanding Certificates, it shall give such notice to each Rating Agency at the time such notice is given to Certificateholders. As a result of the exercise by the Master Servicer of its right to purchase the assets of the Trust Fund, the Master Servicer shall deposit in the Certificate Account, before the Final Distribution Date in immediately available funds an amount equal to the purchase price for the assets of the Trust Fund, computed as provided above. As a result of the exercise by the Master Servicer of its right to purchase the outstanding Certificates, the Master Servicer shall deposit in an Eligible Account, established by the Master Servicer on behalf of the Trustee and separate from the Certificate Account in the name of the Trustee in trust for the registered holders of the Certificates, before the Distribution Date on which such purchase is to occur in immediately available funds an amount equal to the purchase price for the Certificates, computed as above provided, and provide notice of such deposit to the Trustee. The Trustee will withdraw from such account the amount specified in subsection (c) below. (b) In the case of the Senior Certificates, upon presentation and surrender of the Certificates by the Certificateholders thereof, and in the case of the Class M and Class B Certificates, upon presentation and surrender of the Certificates by the Certificateholders thereof in connection with the exercise by the Master Servicer of its right to purchase the Certificates, and otherwise in accordance with Section 4.01(a), the Trustee shall distribute to the Certificateholders (i) the amount otherwise distributable on such Distribution Date, if not in connection with the Master Servicer's election to repurchase the assets of the Trust Fund or the outstanding Certificates, or (ii) if the Master Servicer elected to so repurchase the assets of the Trust Fund or the outstanding Certificates, an amount determined as follows: (A) with respect to each Certificate the outstanding Certificate Principal Balance thereof, plus Accrued Certificate Interest for the related Interest Accrual Period thereon and any previously unpaid Accrued Certificate Interest, subject to the priority set forth in Section 4.02(a), and (B) with respect to the Class R Certificates, any excess of the amounts available for distribution (including the repurchase price specified in clause (ii) of subsection (a) of this Section) over the total amount distributed under the immediately preceding clause (A). Notwithstanding the reduction of the Certificate Principal Balance of any Class of Subordinate Certificates to zero, such Class will be outstanding hereunder until the termination of the respective obligations and responsibilities of the Company, the Master Servicer and the Trustee hereunder in accordance with Article IX. (c) If any Certificateholders shall not surrender their Certificates for final payment and cancellation on or before the Final Distribution Date (if so required by the terms hereof), the Trustee shall on such date cause all funds in the Certificate Account not distributed in final distribution to Certificateholders to be withdrawn therefrom and credited to the remaining Certificateholders by depositing such funds in a separate escrow account for the benefit of such Certificateholders, and the Master Servicer (if it exercised its right to purchase the assets of the Trust Fund), or the Trustee (in any other case) shall give a second written notice to the remaining Certificateholders to 108 surrender their Certificates for cancellation and receive the final distribution with respect thereto. If within six months after the second notice any Certificate shall not have been surrendered for cancellation, the Trustee shall take appropriate steps as directed by the Master Servicer to contact the remaining Certificateholders concerning surrender of their Certificates. The costs and expenses of maintaining the escrow account and of contacting Certificateholders shall be paid out of the assets which remain in the escrow account. If within nine months after the second notice any Certificates shall not have been surrendered for cancellation, the Trustee shall pay to the Master Servicer all amounts distributable to the holders thereof and the Master Servicer shall thereafter hold such amounts until distributed to such Holders. No interest shall accrue or be payable to any Certificateholder on any amount held in the escrow account or by the Master Servicer as a result of such Certificateholder's failure to surrender its Certificate(s) for final payment thereof in accordance with this Section 9.01. (d) If any Certificateholders do not surrender their Certificates on or before the Distribution Date on which a purchase of the outstanding Certificates is to be made, the Trustee shall on such date cause all funds in the Certificate Account deposited therein by the Master Servicer pursuant to Section 9.01(b) to be withdrawn therefrom and deposited in a separate escrow account for the benefit of such Certificateholders, and the Master Servicer shall give a second written notice to such Certificateholders to surrender their Certificates for payment of the purchase price therefor. If within six months after the second notice any Certificate shall not have been surrendered for cancellation, the Trustee shall take appropriate steps as directed by the Master Servicer to contact the Holders of such Certificates concerning surrender of their Certificates. The costs and expenses of maintaining the escrow account and of contacting Certificateholders shall be paid out of the assets which remain in the escrow account. If within nine months after the second notice any Certificates shall not have been surrendered for cancellation in accordance with this Section 9.01, the Trustee shall pay to the Master Servicer all amounts distributable to the Holders thereof and the Master Servicer shall thereafter hold such amounts until distributed to such Holders. No interest shall accrue or be payable to any Certificateholder on any amount held in the escrow account or by the Master Servicer as a result of such Certificateholder's failure to surrender its Certificate(s) for payment in accordance with this Section 9.01. Any Certificate that is not surrendered on the Distribution Date on which a purchase pursuant to this Section 9.01 occurs as provided above will be deemed to have been purchased and the Holder as of such date will have no rights with respect thereto except to receive the purchase price therefor minus any costs and expenses associated with such escrow account and notices allocated thereto. Any Certificates so purchased or deemed to have been purchased on such Distribution Date shall remain outstanding hereunder until the Master Servicer has terminated the respective obligations and responsibilities created hereby in respect of the Certificates pursuant to this Article IX. The Master Servicer shall be for all purposes the Holder thereof as of such date. Section 9.02. Additional Termination Requirements. (a) Each REMIC that comprises the Trust Fund shall be terminated in accordance with the following additional requirements, unless (subject to Section 10.01(f)) the Trustee and the Master Servicer have received an Opinion of Counsel (which Opinion of Counsel shall not be an expense of the Trustee) to the effect that the failure of each such REMIC to 109 comply with the requirements of this Section 9.02 will not (i) result in the imposition on the Trust Fund of taxes on "prohibited transactions," as described in Section 860F of the Code, or (ii) cause any such REMIC to fail to qualify as a REMIC at any time that any Certificate is outstanding: (i) The Master Servicer shall establish a 90-day liquidation period for each such REMIC and specify the first day of such period in a statement attached to the Trust Fund's final Tax Return pursuant to Treasury regulations Section 1.860F-1. The Master Servicer also shall satisfy all of the requirements of a qualified liquidation for a REMIC under Section 860F of the Code and regulations thereunder; (ii) The Master Servicer shall notify the Trustee at the commencement of such 90-day liquidation period and, at or prior to the time of making of the final payment on the Certificates, the Trustee shall sell or otherwise dispose of all of the remaining assets of the Trust Fund in accordance with the terms hereof; and (iii) If the Master Servicer or the Company is exercising its right to purchase the assets of the Trust Fund, the Master Servicer shall, during the 90-day liquidation period and at or prior to the Final Distribution Date, purchase all of the assets of the Trust Fund for cash. (b) Each Holder of a Certificate and the Trustee hereby irrevocably approves and appoints the Master Servicer as its attorney-in-fact to adopt a plan of complete liquidation for each REMIC at the expense of the Trust Fund in accordance with the terms and conditions of this Agreement. Section 9.03. Termination of Multiple REMICs. If the REMIC Administrator makes two or more separate REMIC elections, the applicable REMIC shall be terminated on the earlier of the Final Distribution Date and the date on which it is deemed to receive the last deemed distributions on the related Uncertificated REMIC Regular Interests and the last distribution due on the Certificates is made. 110 ARTICLE X REMIC PROVISIONS Section 10.01. REMIC Administration. (a) The REMIC Administrator shall make an election to treat the Trust Fund as one or more REMICs under the Code and, if necessary, under applicable state law. The assets of each such REMIC will be set forth in the Series Supplement. Such election will be made on Form 1066 or other appropriate federal tax or information return (including Form 8811) or any appropriate state return for the taxable year ending on the last day of the calendar year in which the Certificates are issued. For the purposes of each REMIC election in respect of the Trust Fund, Certificates and interests to be designated as the "regular interests" and the sole class of "residual interests" in the REMIC will be set forth in Section 10.03 of the Series Supplement. The REMIC Administrator and the Trustee shall not permit the creation of any "interests" (within the meaning of Section 860G of the Code) in any REMIC elected in respect of the Trust Fund other than the "regular interests" and "residual interests" so designated. (b) The Closing Date is hereby designated as the "startup day" of the Trust Fund within the meaning of Section 860G(a)(9) of the Code. (c) The REMIC Administrator shall hold a Class R Certificate representing a 0.01% Percentage Interest each Class of the Class R Certificates and shall be designated as "the tax matters person" with respect to each REMIC in the manner provided under Treasury regulations section 1.860F-4(d) and Treasury regulations section 301.6231(a)(7)-1. The REMIC Administrator, as tax matters person, shall (i) act on behalf of each REMIC in relation to any tax matter or controversy involving the Trust Fund and (ii) represent the Trust Fund in any administrative or judicial proceeding relating to an examination or audit by any governmental taxing authority with respect thereto. The legal expenses, including without limitation attorneys' or accountants' fees, and costs of any such proceeding and any liability resulting therefrom shall be expenses of the Trust Fund and the REMIC Administrator shall be entitled to reimbursement therefor out of amounts attributable to the Mortgage Loans on deposit in the Custodial Account as provided by Section 3.10 unless such legal expenses and costs are incurred by reason of the REMIC Administrator's willful misfeasance, bad faith or gross negligence. If the REMIC Administrator is no longer the Master Servicer hereunder, at its option the REMIC Administrator may continue its duties as REMIC Administrator and shall be paid reasonable compensation not to exceed $3,000 per year by any successor Master Servicer hereunder for so acting as the REMIC Administrator. (d) The REMIC Administrator shall prepare or cause to be prepared all of the Tax Returns that it determines are required with respect to each REMIC created hereunder and deliver such Tax Returns in a timely manner to the Trustee and the Trustee shall sign and file such Tax Returns in a timely manner. The expenses of preparing such returns shall be borne by the REMIC Administrator without any right of reimbursement therefor. The REMIC Administrator agrees to indemnify and hold harmless the Trustee with respect to any tax or liability arising from the Trustee's signing of Tax Returns that contain errors or omissions. The Trustee and Master Servicer shall promptly provide the REMIC Administrator with such information as the REMIC Administrator may from time to time request for the purpose of enabling the REMIC Administrator to prepare Tax Returns. 111 (e) The REMIC Administrator shall provide (i) to any Transferor of a Class R Certificate such information as is necessary for the application of any tax relating to the transfer of a Class R Certificate to any Person who is not a Permitted Transferee, (ii) to the Trustee, and the Trustee shall forward to the Certificateholders, such information or reports as are required by the Code or the REMIC Provisions including reports relating to interest, original issue discount and market discount or premium (using the Prepayment Assumption) and (iii) to the Internal Revenue Service the name, title, address and telephone number of the person who will serve as the representative of each REMIC. (f) The Master Servicer and the REMIC Administrator shall take such actions and shall cause each REMIC created hereunder to take such actions as are reasonably within the Master Servicer's or the REMIC Administrator's control and the scope of its duties more specifically set forth herein as shall be necessary or desirable to maintain the status of each REMIC as a REMIC under the REMIC Provisions (and the Trustee shall assist the Master Servicer and the REMIC Administrator, to the extent reasonably requested by the Master Servicer and the REMIC Administrator to do so). The Master Servicer and the REMIC Administrator shall not knowingly or intentionally take any action, cause the Trust Fund to take any action or fail to take (or fail to cause to be taken) any action reasonably within their respective control that, under the REMIC Provisions, if taken or not taken, as the case may be, could (i) endanger the status of any portion of any REMIC formed under the Series Supplement as a REMIC or (ii) result in the imposition of a tax upon any such REMIC (including but not limited to the tax on prohibited transactions as defined in Section 860F(a)(2) of the Code and the tax on contributions to a REMIC set forth in Section 860G(d) of the Code) (either such event, in the absence of an Opinion of Counsel or the indemnification referred to in this sentence, an "Adverse REMIC Event") unless the Master Servicer or the REMIC Administrator, as applicable, has received an Opinion of Counsel (at the expense of the party seeking to take such action or, if such party fails to pay such expense, and the Master Servicer or the REMIC Administrator, as applicable, determines that taking such action is in the best interest of the Trust Fund and the Certificateholders, at the expense of the Trust Fund, but in no event at the expense of the Master Servicer, the REMIC Administrator or the Trustee) to the effect that the contemplated action will not, with respect to each REMIC created hereunder, endanger such status or, unless the Master Servicer, the REMIC Administrator or both, as applicable, determine in its or their sole discretion to indemnify the Trust Fund against the imposition of such a tax, result in the imposition of such a tax. Wherever in this Agreement a contemplated action may not be taken because the timing of such action might result in the imposition of a tax on the Trust Fund, or may only be taken pursuant to an Opinion of Counsel that such action would not impose a tax on the Trust Fund, such action may nonetheless be taken provided that the indemnity given in the preceding sentence with respect to any taxes that might be imposed on the Trust Fund has been given and that all other preconditions to the taking of such action have been satisfied. The Trustee shall not take or fail to take any action (whether or not authorized hereunder) as to which the Master Servicer or the REMIC Administrator, as applicable, has advised it in writing that it has received an Opinion of Counsel to the effect that an Adverse REMIC Event could occur with respect to such action. In 112 addition, prior to taking any action with respect to any REMIC created hereunder or any related assets thereof, or causing any such REMIC to take any action, which is not expressly permitted under the terms of this Agreement, the Trustee will consult with the Master Servicer or the REMIC Administrator, as applicable, or its designee, in writing, with respect to whether such action could cause an Adverse REMIC Event to occur with respect to any such REMIC, and the Trustee shall not take any such action or cause any such REMIC to take any such action as to which the Master Servicer or the REMIC Administrator, as applicable, has advised it in writing that an Adverse REMIC Event could occur. The Master Servicer or the REMIC Administrator, as applicable, may consult with counsel to make such written advice, and the cost of same shall be borne by the party seeking to take the action not expressly permitted by this Agreement, but in no event at the expense of the Master Servicer or the REMIC Administrator. At all times as may be required by the Code, the Master Servicer will to the extent within its control and the scope of its duties more specifically set forth herein, maintain substantially all of the assets of each REMIC created hereunder as "qualified mortgages" as defined in Section 860G(a)(3) of the Code and "permitted investments" as defined in Section 860G(a)(5) of the Code. (g) In the event that any tax is imposed on "prohibited transactions" of any REMIC created hereunder as defined in Section 860F(a)(2) of the Code, on "net income from foreclosure property" of any such REMIC as defined in Section 860G(c) of the Code, on any contributions to any such REMIC after the Startup Day therefor pursuant to Section 860G(d) of the Code, or any other tax is imposed by the Code or any applicable provisions of state or local tax laws, such tax shall be charged (i) to the Master Servicer, if such tax arises out of or results from a breach by the Master Servicer of any of its obligations under this Agreement or the Master Servicer has in its sole discretion determined to indemnify the Trust Fund against such tax, (ii) to the Trustee, if such tax arises out of or results from a breach by the Trustee of any of its obligations under this Article X, or (iii) otherwise against amounts on deposit in the Custodial Account as provided by Section 3.10 and on the Distribution Date(s) following such reimbursement the aggregate of such taxes shall be allocated in reduction of the Accrued Certificate Interest on each Class entitled thereto in the same manner as if such taxes constituted a Prepayment Interest Shortfall. (h) The Trustee and the Master Servicer shall, for federal income tax purposes, maintain books and records with respect to each REMIC created hereunder on a calendar year and on an accrual basis or as otherwise may be required by the REMIC Provisions. (i) Following the Startup Day, neither the Master Servicer nor the Trustee shall accept any contributions of assets to any REMIC created hereunder unless (subject to Section 10.01(f)) the Master Servicer and the Trustee shall have received an Opinion of Counsel (at the expense of the party seeking to make such contribution) to the effect that the inclusion of such assets in such REMIC will not cause the REMIC to fail to qualify as a REMIC at any time that any Certificates are outstanding or subject the REMIC to any tax under the REMIC Provisions or other applicable provisions of federal, state and local law or ordinances. (j) Neither the Master Servicer nor the Trustee shall (subject to Section 10.01(f)) enter into any arrangement by which any REMIC created hereunder will receive a fee or other compensation for services nor permit any such REMIC to receive any income from assets other than "qualified mortgages" as defined in Section 860G(a)(3) of the Code or "permitted investments" as defined in Section 860G(a)(5) of the Code. 113 (k) Solely for the purposes of Section 1.860G-1(a)(4)(iii) of the Treasury Regulations, the "latest possible maturity date" by which the Certificate Principal Balance of each Class of Certificates (other than the Interest Only Certificates) representing a regular interest in the applicable REMIC and the Uncertificated Principal Balance of each Uncertificated REMIC Regular Interest (other than each Uncertificated REMIC Regular Interest represented by a Class A-V Certificate, if any) and the rights to the Interest Only Certificates and Uncertificated REMIC Regular Interest represented by a Class A-V Certificate would be reduced to zero is the Maturity Date for each such Certificate and Interest. (l) Within 30 days after the Closing Date, the REMIC Administrator shall prepare and file with the Internal Revenue Service Form 8811, "Information Return for Real Estate Mortgage Investment Conduits (REMIC) and Issuers of Collateralized Debt Obligations" for each REMIC created hereunder. (m) Neither the Trustee nor the Master Servicer shall sell, dispose of or substitute for any of the Mortgage Loans (except in connection with (i) the default, imminent default or foreclosure of a Mortgage Loan, including but not limited to, the acquisition or sale of a Mortgaged Property acquired by deed in lieu of foreclosure, (ii) the bankruptcy of any REMIC created hereunder, (iii) the termination of any such REMIC pursuant to Article IX of this Agreement or (iv) a purchase of Mortgage Loans pursuant to Article II or III of this Agreement) nor acquire any assets for any such REMIC, nor sell or dispose of any investments in the Custodial Account or the Certificate Account for gain nor accept any contributions to any such REMIC after the Closing Date unless it has received an Opinion of Counsel that such sale, disposition, substitution or acquisition will not (a) affect adversely the status of such REMIC as a REMIC or (b) unless the Master Servicer has determined in its sole discretion to indemnify the Trust Fund against such tax, cause such REMIC to be subject to a tax on "prohibited transactions" or "contributions" pursuant to the REMIC Provisions. Section 10.02. Master Servicer, REMIC Administrator and Trustee Indemnification. (a) The Trustee agrees to indemnify the Trust Fund, the Company, the REMIC Administrator and the Master Servicer for any taxes and costs including, without limitation, any reasonable attorneys fees imposed on or incurred by the Trust Fund, the Company or the Master Servicer, as a result of a breach of the Trustee's covenants set forth in Article VIII or this Article X. (b) The REMIC Administrator agrees to indemnify the Trust Fund, the Company, the Master Servicer and the Trustee for any taxes and costs (including, without limitation, any reasonable attorneys' fees) imposed on or incurred by the Trust Fund, the Company, the Master Servicer or the Trustee, as a result of a breach of the REMIC Administrator's covenants set forth in this Article X with respect to compliance with the REMIC Provisions, including without limitation, any penalties arising from the Trustee's execution of Tax Returns prepared by the REMIC Administrator that contain errors or omissions; provided, however, that such liability will not be imposed to the extent such breach is a result of an error or omission in information provided to the REMIC Administrator by the Master Servicer in which case Section 10.02(c) will apply. 114 (c) The Master Servicer agrees to indemnify the Trust Fund, the Company, the REMIC Administrator and the Trustee for any taxes and costs (including, without limitation, any reasonable attorneys' fees) imposed on or incurred by the Trust Fund, the Company, the REMIC Administrator or the Trustee, as a result of a breach of the Master Servicer's covenants set forth in this Article X or in Article III with respect to compliance with the REMIC Provisions, including without limitation, any penalties arising from the Trustee's execution of Tax Returns prepared by the Master Servicer that contain errors or omissions. Section 10.03. Designation of REMIC(s). As provided in Section 10.03 of the Series Supplement. Section 10.04. Distributions on the Uncertificated REMIC I and REMIC II Regular Interests. As provided in Section 10.04 of the Series Supplement. Section 10.05. Compliance with Withholding Requirements. As provided in Section 10.05 of the Series Supplement. 115 ARTICLE XI MISCELLANEOUS PROVISIONS Section 11.01. Amendment. (a) This Agreement or any Custodial Agreement may be amended from time to time by the Company, the Master Servicer and the Trustee, without the consent of any of the Certificateholders: (i) to cure any ambiguity, (ii) to correct or supplement any provisions herein or therein, which may be inconsistent with any other provisions herein or therein or to correct any error, (iii) to modify, eliminate or add to any of its provisions to such extent as shall be necessary or desirable to maintain the qualification of the Trust Fund as a REMIC at all times that any Certificate is outstanding or to avoid or minimize the risk of the imposition of any tax on the Trust Fund pursuant to the Code that would be a claim against the Trust Fund, provided that the Trustee has received an Opinion of Counsel to the effect that (A) such action is necessary or desirable to maintain such qualification or to avoid or minimize the risk of the imposition of any such tax and (B) such action will not adversely affect in any material respect the interests of any Certificateholder, (iv) to change the timing and/or nature of deposits into the Custodial Account or the Certificate Account or to change the name in which the Custodial Account is maintained, provided that (A) the Certificate Account Deposit Date shall in no event be later than the related Distribution Date, (B) such change shall not, as evidenced by an Opinion of Counsel, adversely affect in any material respect the interests of any Certificateholder and (C) such change shall not result in a reduction of the rating assigned to any Class of Certificates below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date (in the case of the Insured Certificates (as defined in the Series Supplement), such determination shall be made without giving effect to the Certificate Policy (as defined in the Series Supplement)), as evidenced by a letter from each Rating Agency to such effect, (v) to modify, eliminate or add to the provisions of Section 5.02(f) or any other provision hereof restricting transfer of the Class R Certificates, by virtue of their being the "residual interests" in a REMIC, provided that (A) such change shall not result in reduction of the rating assigned to any such Class of Certificates below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date (in the case of the Insured Certificates (as defined in the Series Supplement), such determination shall be made without giving effect to the Certificate Policy (as defined in the Series Supplement)), as evidenced by a letter from each Rating Agency to such effect, and (B) such change shall not (subject to Section 10.01(f)), as evidenced by an Opinion of Counsel (at the expense of the party seeking so to modify, eliminate or add such provisions), cause any REMIC created hereunder or any of the Certificateholders (other than the transferor) to be subject to a federal tax caused by a transfer to a Person that is not a Permitted Transferee, 116 (vi) to make any other provisions with respect to matters or questions arising under this Agreement or such Custodial Agreement which shall not be materially inconsistent with the provisions of this Agreement, provided that such action shall not, as evidenced by an Opinion of Counsel, adversely affect in any material respect the interests of any Certificateholder or (vii) to amend any provision herein or therein that is not material to any of the Certificateholders. (b) This Agreement or any Custodial Agreement may also be amended from time to time by the Company, the Master Servicer and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66% of the Percentage Interests of each Class of Certificates with a Certificate Principal Balance greater than zero affected thereby for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of this Agreement or such Custodial Agreement or of modifying in any manner the rights of the Holders of Certificates of such Class; provided, however, that no such amendment shall: (i) reduce in any manner the amount of, or delay the timing of, payments which are required to be distributed on any Certificate without the consent of the Holder of such Certificate, (ii) reduce the aforesaid percentage of Certificates of any Class the Holders of which are required to consent to any such amendment, in any such case without the consent of the Holders of all Certificates of such Class then outstanding. (c) Notwithstanding any contrary provision of this Agreement, the Trustee shall not consent to any amendment to this Agreement unless it shall have first received an Opinion of Counsel (subject to Section 10.01(f) and at the expense of the party seeking such amendment) to the effect that such amendment or the exercise of any power granted to the Master Servicer, the Company or the Trustee in accordance with such amendment will not result in the imposition of a federal tax on the Trust Fund or cause any REMIC created under the Series Supplement to fail to qualify as a REMIC at any time that any Certificate is outstanding. (d) Promptly after the execution of any such amendment the Trustee shall furnish written notification of the substance of such amendment to the Custodian and each Certificateholder. It shall not be necessary for the consent of Certificateholders under this Section 11.01 to approve the particular form of any proposed amendment, but it shall be sufficient if such consent shall approve the substance thereof. The manner of obtaining such consents and of evidencing the authorization of the execution thereof by Certificateholders shall be subject to such reasonable regulations as the Trustee may prescribe. (e) The Company shall have the option, in its sole discretion, to obtain and deliver to the Trustee any corporate guaranty, payment obligation, irrevocable letter of credit, surety bond, insurance policy or similar instrument or a reserve fund, or any combination of the foregoing, for the purpose of protecting the Holders of the Class B Certificates against any or all Realized Losses or other shortfalls. Any such 117 instrument or fund shall be held by the Trustee for the benefit of the Class B Certificateholders, but shall not be and shall not be deemed to be under any circumstances included in the Trust Fund. To the extent that any such instrument or fund constitutes a reserve fund for federal income tax purposes, (i) any reserve fund so established shall be an outside reserve fund and not an asset of the Trust Fund, (ii) any such reserve fund shall be owned by the Company, and (iii) amounts transferred by the Trust Fund to any such reserve fund shall be treated as amounts distributed by the Trust Fund to the Company or any successor, all within the meaning of Treasury Regulations Section 1.860G-2(h) as it reads as of the Cut-off Date. In connection with the provision of any such instrument or fund, this Agreement and any provision hereof may be modified, added to, deleted or otherwise amended in any manner that is related or incidental to such instrument or fund or the establishment or administration thereof, such amendment to be made by written instrument executed or consented to by the Company but without the consent of any Certificateholder and without the consent of the Master Servicer or the Trustee being required unless any such amendment would impose any additional obligation on, or otherwise adversely affect the interests of the Senior Certificateholders, the Class M Certificateholders, the Master Servicer or the Trustee, as applicable; provided that the Company obtains (subject to Section 10.01(f)) an Opinion of Counsel (which need not be an opinion of Independent counsel) to the effect that any such amendment will not cause (a) any federal tax to be imposed on the Trust Fund, including without limitation, any federal tax imposed on "prohibited transactions" under Section 860F(a)(1) of the Code or on "contributions after the startup date" under Section 860G(d)(1) of the Code and (b) any REMIC created hereunder to fail to qualify as a REMIC at any time that any Certificate is outstanding. In the event that the Company elects to provide such coverage in the form of a limited guaranty provided by General Motors Acceptance Corporation, the Company may elect that the text of such amendment to this Agreement shall be substantially in the form attached hereto as Exhibit K (in which case Residential Funding's Subordinate Certificate Loss Obligation as described in such exhibit shall be established by Residential Funding's consent to such amendment) and that the limited guaranty shall be executed in the form attached hereto as Exhibit L, with such changes as the Company shall deem to be appropriate; it being understood that the Trustee has reviewed and approved the content of such forms and that the Trustee's consent or approval to the use thereof is not required. Section 11.02. Recordation of Agreement; Counterparts. (a) To the extent permitted by applicable law, this Agreement is subject to recordation in all appropriate public offices for real property records in all the counties or other comparable jurisdictions in which any or all of the properties subject to the Mortgages are situated, and in any other appropriate public recording office or elsewhere, such recordation to be effected by the Master Servicer and at its expense on direction by the Trustee (pursuant to the request of Holders of Certificates entitled to at least 25% of the Voting Rights), but only upon direction accompanied by an Opinion of Counsel to the effect that such recordation materially and beneficially affects the interests of the Certificateholders. (b) For the purpose of facilitating the recordation of this Agreement as herein provided and for other purposes, this Agreement may be executed simultaneously in any number of counterparts, each of which counterparts shall be deemed to be an original, and such counterparts shall constitute but one and the same instrument. 118 Section 11.03. Limitation on Rights of Certificateholders. (a) The death or incapacity of any Certificateholder shall not operate to terminate this Agreement or the Trust Fund, nor entitle such Certificateholder's legal representatives or heirs to claim an accounting or to take any action or proceeding in any court for a partition or winding up of the Trust Fund, nor otherwise affect the rights, obligations and liabilities of any of the parties hereto. (b) No Certificateholder shall have any right to vote (except as expressly provided herein) or in any manner otherwise control the operation and management of the Trust Fund, or the obligations of the parties hereto, nor shall anything herein set forth, or contained in the terms of the Certificates, be construed so as to constitute the Certificateholders from time to time as partners or members of an association; nor shall any Certificateholder be under any liability to any third person by reason of any action taken by the parties to this Agreement pursuant to any provision hereof. (c) No Certificateholder shall have any right by virtue of any provision of this Agreement to institute any suit, action or proceeding in equity or at law upon or under or with respect to this Agreement, unless such Holder previously shall have given to the Trustee a written notice of default and of the continuance thereof, as hereinbefore provided, and unless also the Holders of Certificates of any Class evidencing in the aggregate not less than 25% of the related Percentage Interests of such Class, shall have made written request upon the Trustee to institute such action, suit or proceeding in its own name as Trustee hereunder and shall have offered to the Trustee such reasonable indemnity as it may require against the costs, expenses and liabilities to be incurred therein or thereby, and the Trustee, for 60 days after its receipt of such notice, request and offer of indemnity, shall have neglected or refused to institute any such action, suit or proceeding it being understood and intended, and being expressly covenanted by each Certificateholder with every other Certificateholder and the Trustee, that no one or more Holders of Certificates of any Class shall have any right in any manner whatever by virtue of any provision of this Agreement to affect, disturb or prejudice the rights of the Holders of any other of such Certificates of such Class or any other Class, or to obtain or seek to obtain priority over or preference to any other such Holder, or to enforce any right under this Agreement, except in the manner herein provided and for the common benefit of Certificateholders of such Class or all Classes, as the case may be. For the protection and enforcement of the provisions of this Section 11.03, each and every Certificateholder and the Trustee shall be entitled to such relief as can be given either at law or in equity. Section 11.04. Governing Law. This agreement and the Certificates shall be governed by and construed in accordance with the laws of the State of New York and the obligations, rights and remedies of the parties hereunder shall be determined in accordance with such laws. 119 Section 11.05. Notices. As provided in Section 11.05 of the Series Supplement. Section 11.06. Required Notices to Rating Agency and Subservicer. The Company, the Master Servicer or the Trustee, as applicable, (i) shall notify each Rating Agency at such time as it is otherwise required pursuant to this Agreement to give notice of the occurrence of, any of the events described in clause (a), (b), (c), (d), (g), (h), (i) or (j) below, (ii) shall notify the Subservicer at such time as it is otherwise required pursuant to this Agreement to give notice of the occurrence of, any of the events described in clause (a), (b), (c)(1), (g)(1), or (i) below, or (iii) provide a copy to each Rating Agency at such time as otherwise required to be delivered pursuant to this Agreement of any of the statements described in clauses (e) and (f) below: (a) a material change or amendment to this Agreement, (b) the occurrence of an Event of Default, (c) (1) the termination or appointment of a successor Master Servicer or (2) the termination or appointment of a successor Trustee or a change in the majority ownership of the Trustee, (d) the filing of any claim under the Master Servicer's blanket fidelity bond and the errors and omissions insurance policy required by Section 3.12 or the cancellation or modification of coverage under any such instrument, (e) the statement required to be delivered to the Holders of each Class of Certificates pursuant to Section 4.03, (f) the statements required to be delivered pursuant to Sections 3.18 and 3.19, (g) (1) a change in the location of the Custodial Account or (2) a change in the location of the Certificate Account, (h) the occurrence of any monthly cash flow shortfall to the Holders of any Class of Certificates resulting from the failure by the Master Servicer to make an Advance pursuant to Section 4.04, (i) the occurrence of the Final Distribution Date, and (j) the repurchase of or substitution for any Mortgage Loan, provided, however, that with respect to notice of the occurrence of the events described in clauses (d), (g) or (h) above, the Master Servicer shall provide prompt written notice to each Rating Agency and the Subservicer, if applicable, of any such event known to the Master Servicer. 120 Section 11.07. Severability of Provisions. If any one or more of the covenants, agreements, provisions or terms of this Agreement shall be for any reason whatsoever held invalid, then such covenants, agreements, provisions or terms shall be deemed severable from the remaining covenants, agreements, provisions or terms of this Agreement and shall in no way affect the validity or enforceability of the other provisions of this Agreement or of the Certificates or the rights of the Holders thereof. Section 11.08. Supplemental Provisions for Resecuritization. This Agreement may be supplemented by means of the addition of a separate Article hereto (a "Supplemental Article") for the purpose of resecuritizing any of the Certificates issued hereunder, under the following circumstances. With respect to any Class or Classes of Certificates issued hereunder, or any portion of any such Class, as to which the Company or any of its Affiliates (or any designee thereof) is the registered Holder (the "Resecuritized Certificates"), the Company may deposit such Resecuritized Certificates into a new REMIC, grantor trust, FASIT or custodial arrangement (a "Restructuring Vehicle") to be held by the Trustee pursuant to a Supplemental Article. The instrument adopting such Supplemental Article shall be executed by the Company, the Master Servicer and the Trustee; provided, that neither the Master Servicer nor the Trustee shall withhold their consent thereto if their respective interests would not be materially adversely affected thereby. To the extent that the terms of the Supplemental Article do not in any way affect any provisions of this Agreement as to any of the Certificates initially issued hereunder, the adoption of the Supplemental Article shall not constitute an "amendment" of this Agreement. Each Supplemental Article shall set forth all necessary provisions relating to the holding of the Resecuritized Certificates by the Trustee, the establishment of the Restructuring Vehicle, the issuing of various classes of new certificates by the Restructuring Vehicle and the distributions to be made thereon, and any other provisions necessary for the purposes thereof. In connection with each Supplemental Article, the Company shall deliver to the Trustee an Opinion of Counsel to the effect that (i) the Restructuring Vehicle will qualify as a REMIC, grantor trust, FASIT or other entity not subject to taxation for federal income tax purposes and (ii) the adoption of the Supplemental Article will not endanger the status of the Trust Fund as a REMIC or (subject to Section 10.01(f)) result in the imposition of a tax upon the Trust Fund (including but not limited to the tax on prohibited transactions as defined in Section 860F(a)(2) of the Code and the tax on contributions to a REMIC as set forth in Section 860G(d) of the Code). Section 11.09. Allocation of Voting Rights. As provided in Section 11.09 of the Series Supplement. Section 11.10. No Petition. As provided in Section 11.10 of the Series Supplement. 121 EXHIBIT A FORM OF CLASS A CERTIFICATE, [PRINCIPAL ONLY/CLASS A-P] CERTIFICATE AND [INTEREST ONLY/CLASS A-V] CERTIFICATE SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986. UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO ISSUER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] [THE FOLLOWING INFORMATION IS PROVIDED SOLELY FOR THE PURPOSES OF APPLYING THE U.S. FEDERAL INCOME TAX ORIGINAL ISSUE DISCOUNT ("OID") RULES TO THIS CERTIFICATE. THE ISSUE DATE OF THIS CERTIFICATE IS ___________ __, ____. ASSUMING THAT THE MORTGAGE LOANS PREPAY AT [___]% OF THE PREPAYMENT SPEED ASSUMPTION (AS DESCRIBED IN THE PROSPECTUS SUPPLEMENT), [AND ASSUMING A CONSTANT PASS-THROUGH RATE EQUAL TO THE INITIAL PASS-THROUGH RATE,] THIS CERTIFICATE HAS BEEN ISSUED WITH NO MORE THAN $[ ] OF OID PER [$1,000] [$100,000] OF [INITIAL CERTIFICATE PRINCIPAL BALANCE] [NOTIONAL AMOUNT], THE YIELD TO MATURITY IS [ ]% AND THE AMOUNT OF OID ATTRIBUTABLE TO THE INITIAL ACCRUAL PERIOD IS NO MORE THAN $[ ] PER [$1,000] [$100,000] OF [INITIAL CERTIFICATE PRINCIPAL BALANCE] [NOTIONAL AMOUNT], COMPUTED USING THE APPROXIMATE METHOD. NO REPRESENTATION IS MADE THAT THE MORTGAGE LOANS WILL PREPAY AT A RATE BASED ON THE PREPAYMENT SPEED ASSUMPTION OR AT ANY OTHER RATE OR AS TO THE CONSTANCY OF THE PASS-THROUGH RATE.] Certificate No. [ %][Variable] Pass-Through Rate [based on a Notional Amount] Class A- Senior Date of Pooling and Servicing [Percentage Interest: %] Agreement and Cut-off Date: ___________ 1, ____ Aggregate Initial [Certificate Principal Balance] [[Interest Only/Class A-V] Notional First Distribution Date: Amount] [Subclass Notional Amount] of the _________ 25, ____ Class A- Certificates: Master Servicer: [Initial] [Certificate Principal Residential Funding Balance] [Interest Only/Class A-V] [Subclass] Corporation Notional Amount] of this Certificate: $ ] Assumed Final Distribution Date: CUSIP 76110F- ___________ 25, ____ MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE SERIES ____-___ evidencing a percentage interest in the distributions allocable to the Class A- Certificates with respect to a Trust Fund consisting primarily of a pool of conventional one- to four-family fixed interest rate first mortgage loans formed and sold by RESIDENTIAL ACCREDIT LOANS, INC. This Certificate is payable solely from the assets of the Trust Fund, and does not represent an obligation of or interest in Residential Accredit Loans, Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group, Inc. or any of their affiliates. Neither this Certificate nor the underlying Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the Trustee or GMAC Mortgage Group, Inc. or any of their affiliates. None of the Company, the Master Servicer, GMAC Mortgage Group, Inc. or any of their affiliates will have any obligation with respect to any certificate or other obligation secured by or payable from payments on the Certificates. This certifies that ____________ is the registered owner of the Percentage Interest evidenced by this Certificate [(obtained by dividing the [Initial Certificate Principal Balance] [Initial [Interest Only/Class A-V] Notional Amount] of this Certificate by the aggregate [Initial Certificate Principal Balance of all Class A- Certificates] [Initial [Interest Only/Class A-V] Notional Amounts of all [Interest Only/Class A-V] Certificates], both as specified above)] in certain distributions with respect to the Trust Fund consisting primarily of an interest in a pool of conventional one- to four-family fixed interest rate first mortgage loans (the "Mortgage Loans"), formed and sold by Residential Accredit Loans, Inc. (hereinafter called the "Company," which term includes any successor entity under the Agreement referred A-2 to below). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as specified above (the "Agreement") among the Company, the Master Servicer and __________________, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereafter. To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing as described in the Agreement, to the Person in whose name this Certificate is registered at the close of business on the last day (or if such last day is not a Business Day, the Business Day immediately preceding such last day) of the month immediately preceding the month of such distribution (the "Record Date"), from the Available Distribution Amount in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount [(of interest and principal, if any)] required to be distributed to Holders of Class A- Certificates on such Distribution Date. [The [Interest Only/Class A-V] Notional Amount of the [Interest Only/Class A-V] Certificates as of any date of determination is equal to the aggregate Stated Principal Balance of the Mortgage Loans corresponding to the Uncertificated REMIC Regular Interests represented by such [Interest Only/Class A-V] Certificates.] [The Subclass Notional Amount of the [Interest Only/Class A-V]- Certificates as of any date of determination is equal to the aggregate Stated Principal Balance of the Mortgage Loans corresponding to the Uncertificated REMIC Regular Interests represented by such [Interest Only/Class A-V]- Certificates immediately prior to such date.] [The [Interest Only/Class A-V][- ] Certificates have no Certificate Principal Balance.] Distributions on this Certificate will be made either by the Master Servicer acting on behalf of the Trustee or by a Paying Agent appointed by the Trustee in immediately available funds (by wire transfer or otherwise) for the account of the Person entitled thereto if such Person shall have so notified the Master Servicer or such Paying Agent, or by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Trustee for that purpose in the City and State of New York. The [Initial Certificate Principal Balance] [Initial [Interest Only/Class A-V] Notional Amount] [initial Subclass Notional Amount] of this Certificate is set forth above.] [The Certificate Principal Balance hereof will be reduced to the extent of distributions allocable to principal and any Realized Losses allocable hereto.] This Certificate is one of a duly authorized issue of Certificates issued in several Classes designated as Mortgage Asset-Backed Pass-Through Certificates of the Series specified hereon (herein collectively called the "Certificates"). The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. In the event Master Servicer funds are advanced with respect to any Mortgage Loan, such advance is A-3 reimbursable to the Master Servicer, to the extent provided in the Agreement, from related recoveries on such Mortgage Loan or from other cash that would have been distributable to Certificateholders. As provided in the Agreement, withdrawals from the Custodial Account and/or the Certificate Account created for the benefit of Certificateholders may be made by the Master Servicer from time to time for purposes other than distributions to Certificateholders, such purposes including without limitation reimbursement to the Company and the Master Servicer of advances made, or certain expenses incurred, by either of them. The Agreement permits, with certain exceptions therein provided, the amendment of the Agreement and the modification of the rights and obligations of the Company, the Master Servicer and the Trustee and the rights of the Certificateholders under the Agreement at any time by the Company, the Master Servicer and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66% of the Percentage Interests of each Class of Certificates affected thereby. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon the Certificate. The Agreement also permits the amendment thereof in certain circumstances without the consent of the Holders of any of the Certificates and, in certain additional circumstances, without the consent of the Holders of certain Classes of Certificates. As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Trustee in the City and State of New York, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest will be issued to the designated transferee or transferees. The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Company, the Master Servicer, the Trustee and the Certificate Registrar and any agent of the Company, the Master Servicer, the Trustee or the Certificate Registrar may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the Company, the A-4 Master Servicer, the Trustee nor any such agent shall be affected by notice to the contrary. This Certificate shall be governed by and construed in accordance with the laws of the State of New York. The obligations created by the Agreement in respect of the Certificates and the Trust Fund created thereby shall terminate upon the payment to Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the maturity or other liquidation of the last Mortgage Loan subject thereto or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan and (ii) the purchase by the Master Servicer from the Trust Fund of all remaining Mortgage Loans and all property acquired in respect of such Mortgage Loans, thereby effecting early retirement of the Certificates. The Agreement permits, but does not require, the Master Servicer to (i) purchase at a price determined as provided in the Agreement all remaining Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii) purchase in whole, but not in part, all of the Certificates from the Holders thereof; provided, that any such option may only be exercised if the Pool Stated Principal Balance of the Mortgage Loans as of the Distribution Date upon which the proceeds of any such purchase are distributed is less than ten percent of the Cut-off Date Principal Balance of the Mortgage Loans. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. Unless the certificate of authentication hereon has been executed by the Certificate Registrar, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. A-5 IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. Dated: [_________________________], as Trustee By: Authorized Signatory CERTIFICATE OF AUTHENTICATION This is one of the Class A- Certificates referred to in the within-mentioned Agreement. [___________________________], as Certificate Registrar By: Authorized Signatory A-6 ASSIGNMENT FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto ___________________________________________________________ (Please print or typewrite name and address including postal zip code of assignee) a Percentage Interest evidenced by the within Mortgage Asset-Backed Pass-Through Certificate and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of the Trust Fund. I (We) further direct the Certificate Registrar to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address:_____________________________ ______________________________________ Dated: ______________________ Signature by or on behalf of assignor _____________________________________ Signature Guaranteed DISTRIBUTION INSTRUCTIONS The assignee should include the following for purposes of distribution: Distributions shall be made, by wire transfer or otherwise, in immediately available funds to ____________________ for the account of ________________________ account number __________________, or, if mailed by check, to ____________________________. Applicable statements should be mailed to _____________________ . This information is provided by_____________________, the assignee named above, or _____________________, as its agent. A-7 EXHIBIT B FORM OF CLASS M CERTIFICATE THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE SENIOR CERTIFICATES [CLASS M-1 CERTIFICATES] [AND CLASS M-2 CERTIFICATES] AS DESCRIBED IN THE AGREEMENT (AS DEFINED BELOW). SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE "CODE"). UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO ISSUER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN. THE FOLLOWING INFORMATION IS PROVIDED SOLELY FOR THE PURPOSES OF APPLYING THE U.S. FEDERAL INCOME TAX ORIGINAL ISSUE DISCOUNT ("OID") RULES TO THIS CERTIFICATE. THE ISSUE DATE OF THIS CERTIFICATE IS ___________ __, ____. ASSUMING THAT THE MORTGAGE LOANS PREPAY AT [___]% OF THE PREPAYMENT SPEED ASSUMPTION (AS DESCRIBED IN THE PROSPECTUS SUPPLEMENT), THIS CERTIFICATE HAS BEEN ISSUED WITH NO MORE THAN $[____] OF OID PER $[1,000] OF INITIAL CERTIFICATE PRINCIPAL BALANCE, THE YIELD TO MATURITY IS [_____]% AND THE AMOUNT OF OID ATTRIBUTABLE TO THE INITIAL ACCRUAL PERIOD IS NO MORE THAN $[____] PER $[1,000] OF INITIAL CERTIFICATE PRINCIPAL BALANCE, COMPUTED UNDER THE APPROXIMATE METHOD. NO REPRESENTATION IS MADE THAT THE MORTGAGE LOANS WILL PREPAY AT A RATE BASED ON THE PREPAYMENT SPEED ASSUMPTION OR AT ANY OTHER RATE. B-1 Any Transferee of this Certificate will be deemed to have represented by virtue of its purchase or holding of this Certificate (or interest herein) that EITHER (a) such Transferee is not an investment manager, a named fiduciary or a trustee of any Plan, OR ANY OTHER PERSON, acting, directly or indirectly, on behalf of or purchasing any Certificate with "plan assets" of any Plan (a "plan investor"), (B) it has acquired and is holding such Certificate in reliance on Prohibited Transaction Exemption ("PTE") 94-29, 59 Fed. Reg. 14674 (March 29, 1994), as amended by PTE 97-34, 62 Fed. Reg. 39021 (July 21, 1997), PTE 2000-58, 65 Fed. Reg. 67765 (November 13, 2000), AND PTE 2002-41, 67 Fed. Reg. 54487 (August 22, 2002) (the "RFC Exemption"), and that it understands that there are certain conditions to the availability of the RFC Exemption including that such Certificate must be rated, at the time of purchase, not lower than "BBB-" (or its equivalent) by Standard & Poor's, Fitch or Moody's or (C) (I) the transferee is an insurance company, (II) the source of funds to be used by it to purchase the Certificate is an "insurance company general account" (within the meaning of U.S. Department of Labor Prohibited Transaction Class Exemption ("PTCE") 95-60), and (iii) the CONDITIONS SET FORTH IN SECTIONS I AND III OF PTCE 95-60 HAVE BEEN SATISFIED (EACH ENTITY THAT SATISFIES THIS CLAUSE (C), A "cOMPLYING INSURANCE COMPANY). If this Certificate (OR ANY INTEREST HEREIN) IS ACQUIRED OR HELD BY ANY PERSON THAT DOES NOT SATISFY THE CONDITIONS DESCRIBED IN THE PRECEDING PARAGRAPH, THEN THE LAST preceding Transferee that either (i) is not a Plan Investor, (II) ACQUIRED SUCH CERTIFICATE IN COMPLIANCE WITH THE RFC EXEMPTION, or (iiI) is a Complying Insurance Company shall be restored, to the extent permitted by law, to all rights and obligations as Certificate Owner thereof retroactive to the date of such Transfer of this Certificate. The Trustee shall be under no liability to any Person for making any payments due on this Certificate to such preceding Transferee. Any purported Certificate Owner whose acquisition or holding of this Certificate (or interest herein) was effected in violation of the restrictions in Section 5.02(e) of the Pooling and Servicing Agreement shall indemnify and hold harmless the Company, the Trustee, the Master Servicer, any Subservicer, and the Trust Fund from and against any and all liabilities, claims, costs or expenses incurred by such parties as a result of such acquisition or holding. B-2 Certificate No. [ ]% Pass-Through Rate Class M- Subordinate Aggregate Certificate Principal Balance Date of Pooling and Servicing of the Class M Certificates: Agreement and Cut-off Date: $ ___________ 1, ____ Initial Certificate Principal First Distribution Date: Balance of this Certificate: _________ 25, ____ $ Master Servicer: CUSIP: 76110F- Residential Funding Corporation Assumed Final Distribution Date: ___________ 25, ____ MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE, SERIES ____-___ evidencing a percentage interest in any distributions allocable to the Class M- Certificates with respect to the Trust Fund consisting primarily of a pool of conventional one- to four-family fixed interest rate first mortgage loans formed and sold by RESIDENTIAL ACCREDIT LOANS, INC. This Certificate is payable solely from the assets of the Trust Fund, and does not represent an obligation of or interest in Residential Accredit Loans, Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group, Inc. or any of their affiliates. Neither this Certificate nor the underlying Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the Trustee or GMAC Mortgage Group, Inc. or any of their affiliates. None of the Company, the Master Servicer, GMAC Mortgage Group, Inc. or any of their affiliates will have any obligation with respect to any certificate or other obligation secured by or payable from payments on the Certificates. This certifies that is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Certificate Principal Balance of this Certificate by the aggregate Certificate Principal Balance of all Class M- Certificates, both as specified above) in certain distributions with respect to a Trust Fund consisting primarily of a pool of conventional one- to four-family fixed interest rate first mortgage loans (the "Mortgage Loans"), formed and sold by Residential Accredit Loans, Inc. (hereinafter called the "Company," which term includes any successor entity under the Agreement referred to below). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as specified above (the "Agreement") among the Company, the Master Servicer and __________________, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set B-3 forth hereafter. To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing as described in the Agreement, to the Person in whose name this Certificate is registered at the close of business on the last day (or if such last day is not a Business Day, the Business Day immediately preceding such last day) of the month immediately preceding the month of such distribution (the "Record Date"), from the Available Distribution Amount in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount (of interest and principal, if any) required to be distributed to Holders of Class M- Certificates on such Distribution Date. Distributions on this Certificate will be made either by the Master Servicer acting on behalf of the Trustee or by a Paying Agent appointed by the Trustee in immediately available funds (by wire transfer or otherwise) for the account of the Person entitled thereto if such Person shall have so notified the Master Servicer or such Paying Agent, or by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Trustee for that purpose in the City and State of New York. The Initial Certificate Principal Balance of this Certificate is set forth above. The Certificate Principal Balance hereof will be reduced to the extent of the distributions allocable to principal and any Realized Losses allocable hereto. As described above, no transfer of this Class M Certificate will be made unless (i) the Trustee has received either an opinion of counsel or a representation letter, each as described in the Agreement, relating to the permissibility of such transfer under ERISA and Section 4975 of the Code, or (ii) this Certificate is held by a Depository, in which case the Transferee will be deemed to have made representations relating to the permissibility of such transfer under ERISA and Section 4975 of the Code, as described in Section 5.02(e) of the Agreement. In addition, any purported Certificate Owner whose acquisition or holding of this Certificate (or interest herein) was effected in violation of the restrictions in Section 5.02(e) of the Agreement shall indemnify and hold harmless the Company, the Trustee, the Master Servicer, any Subservicer, and the Trust Fund from and against any and all liabilities, claims, costs or expenses incurred by such parties as a result of such acquisition or holding. This Certificate is one of a duly authorized issue of Certificates issued in several Classes designated as Mortgage Asset-Backed Pass-Through Certificates of the Series specified hereon (herein collectively called the "Certificates"). The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. In the event Master Servicer funds are advanced with respect to any Mortgage Loan, such advance is B-4 reimbursable to the Master Servicer, to the extent provided in the Agreement, from related recoveries on such Mortgage Loan or from other cash that would have been distributable to Certificateholders. As provided in the Agreement, withdrawals from the Custodial Account and/or the Certificate Account created for the benefit of Certificateholders may be made by the Master Servicer from time to time for purposes other than distributions to Certificateholders, such purposes including without limitation reimbursement to the Company and the Master Servicer of advances made, or certain expenses incurred, by either of them. The Agreement permits, with certain exceptions therein provided, the amendment of the Agreement and the modification of the rights and obligations of the Company, the Master Servicer and the Trustee and the rights of the Certificateholders under the Agreement at any time by the Company, the Master Servicer and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66% of the Percentage Interests of each Class of Certificates affected thereby. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon the Certificate. The Agreement also permits the amendment thereof in certain circumstances without the consent of the Holders of any of the Certificates and, in certain additional circumstances, without the consent of the Holders of certain Classes of Certificates. As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Trustee in the City and State of New York, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest will be issued to the designated transferee or transferees. The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Company, the Master Servicer, the Trustee and the Certificate Registrar and any agent of the Company, the Master Servicer, the Trustee or the Certificate Registrar may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the Company, the B-5 Master Servicer, the Trustee nor any such agent shall be affected by notice to the contrary. This Certificate shall be governed by and construed in accordance with the laws of the State of New York. The obligations created by the Agreement in respect of the Certificates and the Trust Fund created thereby shall terminate upon the payment to Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the maturity or other liquidation of the last Mortgage Loan subject thereto or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan and (ii) the purchase by the Master Servicer from the Trust Fund of all remaining Mortgage Loans and all property acquired in respect of such Mortgage Loans, thereby effecting early retirement of the Certificates. The Agreement permits, but does not require, the Master Servicer to (i) purchase at a price determined as provided in the Agreement all remaining Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii) purchase in whole, but not in part, all of the Certificates from the Holders thereof; provided, that any such option may only be exercised if the Pool Stated Principal Balance of the Mortgage Loans as of the Distribution Date upon which the proceeds of any such purchase are distributed is less than ten percent of the Cut-off Date Principal Balance of the Mortgage Loans. Unless the certificate of authentication hereon has been executed by the Certificate Registrar, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. B-6 IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. Dated: [____________________________], as Trustee By: Authorized Signatory CERTIFICATE OF AUTHENTICATION This is one of the Class M- Certificates referred to in the within-mentioned Agreement. [_________________________], as Certificate Registrar By: Authorized Signatory B-6 ASSIGNMENT FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto ___________________________________________________________ (Please print or typewrite name and address including postal zip code of assignee) a Percentage Interest evidenced by the within Mortgage Asset-Backed Pass-Through Certificate and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of the Trust Fund. I (We) further direct the Certificate Registrar to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address:_____________________________ ______________________________________ Dated: ______________________ Signature by or on behalf of assignor _____________________________________ Signature Guaranteed DISTRIBUTION INSTRUCTIONS The assignee should include the following for purposes of distribution: Distributions shall be made, by wire transfer or otherwise, in immediately available funds to ____________________ for the account of ________________________ account number __________________, or, if mailed by check, to ____________________________. Applicable statements should be mailed to _____________________ . This information is provided by_____________________, the assignee named above, or _____________________, as its agent. B-7 EXHIBIT C FORM OF CLASS B CERTIFICATE THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE SENIOR CERTIFICATES AND CLASS M CERTIFICATES [AND CLASS B-1] [CLASS B-2 CERTIFICATES] DESCRIBED IN THE AGREEMENT (AS DEFINED HEREIN). THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR THE SECURITIES LAWS OF ANY STATE AND MAY NOT BE RESOLD OR TRANSFERRED UNLESS IT IS REGISTERED PURSUANT TO SUCH ACT AND LAWS OR IS SOLD OR TRANSFERRED IN TRANSACTIONS WHICH ARE EXEMPT FROM REGISTRATION UNDER SUCH ACT AND UNDER APPLICABLE STATE LAW AND IS TRANSFERRED IN ACCORDANCE WITH THE PROVISIONS OF SECTION 5.02 OF THE AGREEMENT. NO TRANSFER OF THIS CERTIFICATE MAY BE MADE TO ANY PERSON, UNLESS THE TRANSFEREE PROVIDES EITHER A CERTIFICATION PURSUANT TO SECTION 5.02(e) OF THE AGREEMENT OR AN OPINION OF COUNSEL SATISFACTORY TO THE MASTER SERVICER, THE COMPANY AND THE TRUSTEE THAT THE PURCHASE OF THIS CERTIFICATE WILL NOT CONSTITUTE OR RESULT IN A NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"), OR SECTION 4975 OF THE CODE AND WILL NOT SUBJECT THE MASTER SERVICER, THE COMPANY OR THE TRUSTEE TO ANY OBLIGATION OR LIABILITY IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT. SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE CODE. THE FOLLOWING INFORMATION IS PROVIDED SOLELY FOR THE PURPOSES OF APPLYING THE U.S. FEDERAL INCOME TAX ORIGINAL ISSUE DISCOUNT ("OID") RULES TO THIS CERTIFICATE. THE ISSUE DATE OF THIS CERTIFICATE IS ___________ __, ____. ASSUMING THAT THE MORTGAGE LOANS PREPAY AT 100% OF THE PREPAYMENT SPEED ASSUMPTION (AS DESCRIBED IN THE PROSPECTUS SUPPLEMENT), THIS CERTIFICATE HAS BEEN ISSUED WITH NO MORE THAN $[ ] OF OID PER $[1,000] OF INITIAL CERTIFICATE PRINCIPAL BALANCE, THE YIELD TO MATURITY IS [ ]% AND THE AMOUNT OF OID ATTRIBUTABLE TO THE INITIAL ACCRUAL PERIOD IS NO MORE THAN $[ ] PER $[1,000] OF INITIAL CERTIFICATE PRINCIPAL BALANCE, COMPUTED UNDER THE APPROXIMATE METHOD. NO REPRESENTATION IS MADE THAT THE MORTGAGE LOANS WILL PREPAY AT A RATE BASED ON THE PREPAYMENT SPEED ASSUMPTION OR AT ANY OTHER RATE. Certificate No. [ ]% Pass-Through Rate Class B- Subordinate Aggregate Certificate Principal Balance Date of Pooling and Servicing of the Class B- Agreement and Cut-off Date: Certificates as of ___________ 1, ____ the Cut-off Date: $ First Distribution Date: _________ 25, ____ Initial Certificate Principal Balance of this Certificate: Master Servicer: $ Residential Funding Corporation Assumed Final Distribution Date: ___________ 25, ____ MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE, SERIES ____-___ evidencing a percentage interest in any distributions allocable to the Class B- Certificates with respect to the Trust Fund consisting primarily of a pool of conventional one- to four-family fixed interest rate first mortgage loans formed and sold by RESIDENTIAL ACCREDIT LOANS, INC. This Certificate is payable solely from the assets of the Trust Fund, and does not represent an obligation of or interest in Residential Accredit Loans, Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group, Inc. or any of their affiliates. Neither this Certificate nor the underlying Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the Trustee or GMAC Mortgage Group, Inc. or any of their affiliates. None of the Company, the Master Servicer, GMAC Mortgage Group, Inc. or any of their affiliates will have any obligation with respect to any certificate or other obligation secured by or payable from payments on the Certificates. This certifies that Residential Accredit Loans, Inc. is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Certificate Principal Balance of this Certificate by the aggregate Certificate Principal Balance of all Class B- Certificates, both as specified above) in certain distributions with respect to a Trust Fund consisting primarily of a pool of conventional one- to four-family fixed interest rate first mortgage loans (the "Mortgage Loans"), formed and sold by Residential Accredit Loans, Inc. (hereinafter called the "Company," which term includes any successor entity under the Agreement referred to below). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as specified above (the "Agreement") among the Company, the Master Servicer and __________________, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereafter. To the extent not defined C-2 herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing on the first Distribution Date specified above, to the Person in whose name this Certificate is registered at the close of business on the last day (or if such last day is not a Business Day, the Business Day immediately preceding such last day) of the month next preceding the month of such distribution (the "Record Date"), from the Available Distribution Amount in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount (of interest and principal, if any) required to be distributed to Holders of Class B Certificates on such Distribution Date. Distributions on this Certificate will be made either by the Master Servicer acting on behalf of the Trustee or by a Paying Agent appointed by the Trustee in immediately available funds (by wire transfer or otherwise) for the account of the Person entitled thereto if such Person shall have so notified the Master Servicer or such Paying Agent, or by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Trustee for that purpose in the City and State of New York. The Initial Certificate Principal Balance of this Certificate is set forth above. The Certificate Principal Balance hereof will be reduced to the extent of the distributions allocable to principal and any Realized Losses allocable hereto. No transfer of this Class B Certificate will be made unless such transfer is exempt from the registration requirements of the Securities Act of 1933, as amended, and any applicable state securities laws or is made in accordance with said Act and laws. In the event that such a transfer is to be made, (i) the Trustee or the Company may require an opinion of counsel acceptable to and in form and substance satisfactory to the Trustee and the Company that such transfer is exempt (describing the applicable exemption and the basis therefor) from or is being made pursuant to the registration requirements of the Securities Act of 1933, as amended, and of any applicable statute of any state and (ii) the transferee shall execute an investment letter in the form described by the Agreement. The Holder hereof desiring to effect such transfer shall, and does hereby agree to, indemnify the Trustee, the Company, the Master Servicer and the Certificate Registrar acting on behalf of the Trustee against any liability that may result if the transfer is not so exempt or is not made in accordance with such Federal and state laws. In connection with any such transfer, the Trustee will also require either (i) an opinion of counsel acceptable to and in form and substance satisfactory to the Trustee, the Company and the Master Servicer with respect to the permissibility of such transfer under the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), and Section 4975 of the Internal Revenue Code (the "Code") and stating, among other things, that the transferee's acquisition of a Class B Certificate will not constitute or result in a non-exempt prohibited transaction C-3 under Section 406 of ERISA or Section 4975 of the Code or (ii) a representation letter, in the form as described by Section 5.02(e) of the Agreement, either stating that the transferee is not an employee benefit or other plan subject to the prohibited transaction provisions of ERISA or Section 4975 of the Code (a "Plan"), or any other person (including an investment manager, a named fiduciary or a trustee of any Plan) acting, directly or indirectly, on behalf of or purchasing any Certificate with "plan assets" of any Plan, or stating that the transferee is an insurance company, the source of funds to be used by it to purchase the Certificate is an "insurance company general account" (within the meaning of Department of Labor Prohibited Transaction Class Exemption ("PTCE") 95-60), and the purchase is being made in reliance upon the availability of the exemptive relief afforded under Sections I and III of PTCE 95-60. This Certificate is one of a duly authorized issue of Certificates issued in several Classes designated as Mortgage Asset-Backed Pass-Through Certificates of the Series specified hereon (herein collectively called the "Certificates"). The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. In the event Master Servicer funds are advanced with respect to any Mortgage Loan, such advance is reimbursable to the Master Servicer, to the extent provided in the Agreement, from related recoveries on such Mortgage Loan or from other cash that would have been distributable to Certificateholders. As provided in the Agreement, withdrawals from the Custodial Account and/or the Certificate Account created for the benefit of Certificateholders may be made by the Master Servicer from time to time for purposes other than distributions to Certificateholders, such purposes including without limitation reimbursement to the Company and the Master Servicer of advances made, or certain expenses incurred, by either of them. The Agreement permits, with certain exceptions therein provided, the amendment of the Agreement and the modification of the rights and obligations of the Company, the Master Servicer and the Trustee and the rights of the Certificateholders under the Agreement at any time by the Company, the Master Servicer and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66% of the Percentage Interests of each Class of Certificates affected thereby. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon the Certificate. The Agreement also permits the amendment thereof in certain circumstances without the consent of the Holders of any of the Certificates and, in certain additional circumstances, without the consent of the Holders of certain Classes of Certificates. As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Trustee in the City and State of New York, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the Holder hereof or such C-4 Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest will be issued to the designated transferee or transferees. The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Company, the Master Servicer, the Trustee and the Certificate Registrar and any agent of the Company, the Master Servicer, the Trustee or the Certificate Registrar may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the Company, the Master Servicer, the Trustee nor any such agent shall be affected by notice to the contrary. This Certificate shall be governed by and construed in accordance with the laws of the State of New York. The obligations created by the Agreement in respect of the Certificates and the Trust Fund created thereby shall terminate upon the payment to Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the maturity or other liquidation of the last Mortgage Loan subject thereto or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan and (ii) the purchase by the Master Servicer from the Trust Fund of all remaining Mortgage Loans and all property acquired in respect of such Mortgage Loans, thereby effecting early retirement of the Certificates. The Agreement permits, but does not require, the Master Servicer to (i) purchase at a price determined as provided in the Agreement all remaining Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii) purchase in whole, but not in part, all of the Certificates from the Holders thereof; provided, that any such option may only be exercised if the Pool Stated Principal Balance of the Mortgage Loans as of the Distribution Date upon which the proceeds of any such purchase are distributed is less than ten percent of the Cut-off Date Principal Balance of the Mortgage Loans. Unless the certificate of authentication hereon has been executed by the Certificate Registrar, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. C-5 IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. Dated: [_____________________________], as Trustee By: Authorized Signatory CERTIFICATE OF AUTHENTICATION This is one of the Class M- Certificates referred to in the within-mentioned Agreement. [___________________________], as Certificate Registrar By: Authorized Signatory C-6 ASSIGNMENT FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto ___________________________________________________________ (Please print or typewrite name and address including postal zip code of assignee) a Percentage Interest evidenced by the within Mortgage Asset-Backed Pass-Through Certificate and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of the Trust Fund. I (We) further direct the Certificate Registrar to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address:_____________________________ ______________________________________ Dated: ______________________ Signature by or on behalf of assignor _____________________________________ Signature Guaranteed DISTRIBUTION INSTRUCTIONS The assignee should include the following for purposes of distribution: Distributions shall be made, by wire transfer or otherwise, in immediately available funds to ____________________ for the account of ________________________ account number __________________, or, if mailed by check, to ____________________________. Applicable statements should be mailed to _____________________ . This information is provided by_____________________, the assignee named above, or _____________________, as its agent. C-7 EXHIBIT D FORM OF CLASS R CERTIFICATE THIS CERTIFICATE MAY NOT BE HELD BY OR TRANSFERRED TO A NON-UNITED STATES PERSON OR A DISQUALIFIED ORGANIZATION (AS DEFINED BELOW). SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "RESIDUAL INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT" AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE "CODE"). NO TRANSFER OF THIS CERTIFICATE MAY BE MADE TO ANY PERSON, UNLESS THE TRANSFEREE PROVIDES EITHER A CERTIFICATION PURSUANT TO SECTION 5.02(e) OF THE AGREEMENT OR AN OPINION OF COUNSEL SATISFACTORY TO THE MASTER SERVICER, THE COMPANY AND THE TRUSTEE THAT THE PURCHASE OF THIS CERTIFICATE WILL NOT CONSTITUTE OR RESULT IN A NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"), OR SECTION 4975 OF THE CODE AND WILL NOT SUBJECT THE MASTER SERVICER, THE COMPANY OR THE TRUSTEE TO ANY OBLIGATION OR LIABILITY IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT. ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE MAY BE MADE ONLY IF THE PROPOSED TRANSFEREE PROVIDES A TRANSFER AFFIDAVIT TO THE MASTER SERVICER AND THE TRUSTEE THAT (1) SUCH TRANSFEREE IS NOT (A) THE UNITED STATES, ANY STATE OR POLITICAL SUBDIVISION THEREOF, ANY POSSESSION OF THE UNITED STATES, OR ANY AGENCY OR INSTRUMENTALITY OF ANY OF THE FOREGOING (OTHER THAN AN INSTRUMENTALITY WHICH IS A CORPORATION IF ALL OF ITS ACTIVITIES ARE SUBJECT TO TAX AND EXCEPT FOR FREDDIE MAC, A MAJORITY OF ITS BOARD OF DIRECTORS IS NOT SELECTED BY SUCH GOVERNMENTAL UNIT), (B) A FOREIGN GOVERNMENT, ANY INTERNATIONAL ORGANIZATION, OR ANY AGENCY OR INSTRUMENTALITY OF EITHER OF THE FOREGOING, (C) ANY ORGANIZATION (OTHER THAN CERTAIN FARMERS' COOPERATIVES DESCRIBED IN SECTION 521 OF THE CODE) WHICH IS EXEMPT FROM THE TAX IMPOSED BY CHAPTER 1 OF THE CODE UNLESS SUCH ORGANIZATION IS SUBJECT TO THE TAX IMPOSED BY SECTION 511 OF THE CODE (INCLUDING THE TAX IMPOSED BY SECTION 511 OF THE CODE ON UNRELATED BUSINESS TAXABLE INCOME), (D) RURAL ELECTRIC AND TELEPHONE COOPERATIVES DESCRIBED IN SECTION 1381(a)(2)(C) OF THE CODE, (E) AN ELECTING LARGE PARTNERSHIP UNDER SECTION 775(a) OF THE CODE (ANY SUCH PERSON DESCRIBED IN THE FOREGOING CLAUSES (A), (B), (C), (D) OR (E) BEING HEREIN REFERRED TO AS A "DISQUALIFIED ORGANIZATION"), OR (F) AN AGENT OF A DISQUALIFIED ORGANIZATION, (2) NO PURPOSE OF SUCH TRANSFER IS TO IMPEDE THE ASSESSMENT OR COLLECTION OF TAX AND (3) SUCH TRANSFEREE SATISFIES CERTAIN ADDITIONAL CONDITIONS RELATING TO THE FINANCIAL CONDITION OF THE PROPOSED TRANSFEREE. NOTWITHSTANDING THE REGISTRATION IN THE CERTIFICATE REGISTER OR ANY TRANSFER, SALE OR OTHER DISPOSITION OF THIS CERTIFICATE TO A DISQUALIFIED ORGANIZATION OR AN AGENT OF A DISQUALIFIED ORGANIZATION, SUCH REGISTRATION SHALL BE DEEMED TO BE OF NO LEGAL FORCE OR EFFECT WHATSOEVER AND SUCH PERSON SHALL NOT BE DEEMED TO BE A CERTIFICATEHOLDER FOR ANY PURPOSE HEREUNDER, INCLUDING, BUT NOT LIMITED TO, THE RECEIPT OF DISTRIBUTIONS ON THIS CERTIFICATE. EACH HOLDER OF THIS CERTIFICATE BY ACCEPTANCE OF THIS CERTIFICATE SHALL BE DEEMED TO HAVE CONSENTED TO THE PROVISIONS OF THIS PARAGRAPH. Certificate No. [ ]% Pass-Through Rate Class R Senior Aggregate Initial Certificate Principal Balance of the Date of Pooling and Servicing Class R Certificates: Agreement and Cut-off Date: $100.00 ___________ 1, ____ Initial Certificate Principal First Distribution Date: Balance of this Certificate: _________ 25, ____ $ Master Servicer: Percentage Interest: Residential Funding Corporation % Assumed Final Distribution Date: CUSIP 76110F- ___________ 25, ____ MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE, SERIES ____-___ evidencing a percentage interest in any distributions allocable to the Class R Certificates with respect to the Trust Fund consisting primarily of a pool of conventional one- to four-family fixed interest rate first mortgage loans formed and sold by RESIDENTIAL ACCREDIT LOANS, INC. This Certificate is payable solely from the assets of the Trust Fund, and does not represent an obligation of or interest in Residential Accredit Loans, Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group, Inc. or any of their affiliates. Neither this Certificate nor the underlying Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the Trustee or GMAC Mortgage Group, Inc. or any of their affiliates. None of the Company, the Master Servicer, GMAC Mortgage Group, Inc. or any of their affiliates will have any obligation with respect to any certificate or other obligation secured by or payable from payments on the Certificates. This certifies that is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Initial Certificate Principal Balance of this Certificate by the aggregate Initial Certificate Principal Balance of all Class R Certificates, both as specified above) in certain distributions with respect to the Trust Fund consisting primarily of a pool of conventional one- to four-family fixed interest rate first mortgage loans (the "Mortgage Loans"), formed and sold by Residential Accredit Loans, Inc. (hereinafter called the "Company," which term includes any successor entity under the Agreement referred to below). The Trust Fund was D-2 created pursuant to a Pooling and Servicing Agreement dated as specified above (the "Agreement") among the Company, the Master Servicer and __________________, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereafter. To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing as described in the Agreement, to the Person in whose name this Certificate is registered at the close of business on the last day (or if such last day is not a Business Day, the Business Day immediately preceding such last day) of the month immediately preceding the month of such distribution (the "Record Date"), from the Available Distribution Amount in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount (of interest and principal, if any) required to be distributed to Holders of Class R Certificates on such Distribution Date. Each Holder of this Certificate will be deemed to have agreed to be bound by the restrictions set forth in the Agreement to the effect that (i) each person holding or acquiring any Ownership Interest in this Certificate must be a United States Person and a Permitted Transferee, (ii) the transfer of any Ownership Interest in this Certificate will be conditioned upon the delivery to the Trustee of, among other things, an affidavit to the effect that it is a United States Person and Permitted Transferee, (iii) any attempted or purported transfer of any Ownership Interest in this Certificate in violation of such restrictions will be absolutely null and void and will vest no rights in the purported transferee, and (iv) if any person other than a United States Person and a Permitted Transferee acquires any Ownership Interest in this Certificate in violation of such restrictions, then the Company will have the right, in its sole discretion and without notice to the Holder of this Certificate, to sell this Certificate to a purchaser selected by the Company, which purchaser may be the Company, or any affiliate of the Company, on such terms and conditions as the Company may choose. Notwithstanding the above, the final distribution on this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Trustee for that purpose in the City and State of New York. The Initial Certificate Principal Balance of this Certificate is set forth above. The Certificate Principal Balance hereof will be reduced to the extent of distributions allocable to principal and any Realized Losses allocable hereto. Notwithstanding the reduction of the Certificate Principal Balance hereof to zero, this Certificate will remain outstanding under the Agreement and the Holder hereof may have additional obligations with respect to this Certificate, including tax liabilities, and may be entitled to certain additional distributions hereon, in accordance with the terms and provisions of the Agreement. D-3 No transfer of this Class R Certificate will be made unless the Trustee has received either (i) an opinion of counsel acceptable to and in form and substance satisfactory to the Trustee, the Company and the Master Servicer with respect to the permissibility of such transfer under the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), and Section 4975 of the Internal Revenue Code (the "Code") and stating, among other things, that the transferee's acquisition of a Class R Certificate will not constitute or result in a non-exempt prohibited transaction under Section 406 of ERISA or Section 4975 of the Code or (ii) a representation letter, in the form as described by the Agreement, stating that the transferee is not an employee benefit or other plan subject to the prohibited transaction provisions of ERISA or Section 4975 of the Code (a "Plan"), or any other person (including an investment manager, a named fiduciary or a trustee of any Plan) acting, directly or indirectly, on behalf of or purchasing any Certificate with "plan assets" of any Plan. This Certificate is one of a duly authorized issue of Certificates issued in several Classes designated as Mortgage Asset-Backed Pass-Through Certificates of the Series specified hereon (herein collectively called the "Certificates"). The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. In the event Master Servicer funds are advanced with respect to any Mortgage Loan, such advance is reimbursable to the Master Servicer, to the extent provided in the Agreement, from related recoveries on such Mortgage Loan or from other cash that would have been distributable to Certificateholders. As provided in the Agreement, withdrawals from the Custodial Account and/or the Certificate Account created for the benefit of Certificateholders may be made by the Master Servicer from time to time for purposes other than distributions to Certificateholders, such purposes including without limitation reimbursement to the Company and the Master Servicer of advances made, or certain expenses incurred, by either of them. The Agreement permits, with certain exceptions therein provided, the amendment of the Agreement and the modification of the rights and obligations of the Company, the Master Servicer and the Trustee and the rights of the Certificateholders under the Agreement at any time by the Company, the Master Servicer and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66% of the Percentage Interests of each Class of Certificates affected thereby. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon the Certificate. The Agreement also permits the amendment thereof in certain circumstances without the consent of the Holders of any of the Certificates and, in certain additional circumstances, without the consent of the Holders of certain Classes of Certificates. D-4 As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Trustee in the City and State of New York, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest will be issued to the designated transferee or transferees. The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Company, the Master Servicer, the Trustee and the Certificate Registrar and any agent of the Company, the Master Servicer, the Trustee or the Certificate Registrar may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the Company, the Master Servicer, the Trustee nor any such agent shall be affected by notice to the contrary. This Certificate shall be governed by and construed in accordance with the laws of the State of New York. The obligations created by the Agreement in respect of the Certificates and the Trust Fund created thereby shall terminate upon the payment to Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the maturity or other liquidation of the last Mortgage Loan subject thereto or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan and (ii) the purchase by the Master Servicer from the Trust Fund of all remaining Mortgage Loans and all property acquired in respect of such Mortgage Loans, thereby effecting early retirement of the Certificates. The Agreement permits, but does not require, the Master Servicer to (i) purchase at a price determined as provided in the Agreement all remaining Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii) purchase in whole, but not in part, all of the Certificates from the Holders thereof; provided, that any such option may only be exercised if the Pool Stated Principal Balance of the Mortgage Loans as of the Distribution Date upon which the proceeds of any such purchase are distributed is less than ten percent of the Cut-off Date Principal Balance of the Mortgage Loans. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purpose have the same effect as if set forth at this place. D-5 Unless the certificate of authentication hereon has been executed by the Certificate Registrar, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. D-6 IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. Dated: [____________________________], as Trustee By: Authorized Signatory CERTIFICATE OF AUTHENTICATION This is one of the Class R Certificates referred to in the within-mentioned Agreement. [____________________________], as Certificate Registrar By: Authorized Signatory D-7 ASSIGNMENT FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto ___________________________________________________________ (Please print or typewrite name and address including postal zip code of assignee) a Percentage Interest evidenced by the within Mortgage Asset-Backed Pass-Through Certificate and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of the Trust Fund. I (We) further direct the Certificate Registrar to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address:_____________________________ ______________________________________ Dated: ______________________ Signature by or on behalf of assignor _____________________________________ Signature Guaranteed DISTRIBUTION INSTRUCTIONS The assignee should include the following for purposes of distribution: Distributions shall be made, by wire transfer or otherwise, in immediately available funds to ____________________ for the account of ________________________ account number __________________, or, if mailed by check, to ____________________________. Applicable statements should be mailed to _____________________ . This information is provided by_____________________, the assignee named above, or _____________________, as its agent. D-8 EXHIBIT E FORM OF SELLER/SERVICER CONTRACT This Seller/Servicer Contract (as may be amended, supplemented or otherwise modified from time to time, this "Contract") is made this day of , 20 , by and between Residential Funding Corporation, its successors and assigns ("Residential Funding") and (the "Seller/Servicer," and, together with Residential Funding, the "parties" and each, individually, a "party"). WHEREAS, the Seller/Servicer desires to sell Loans to, and/or service Loans for, Residential Funding, and Residential Funding desires to purchase Loans from the Seller/Servicer and/or have the Seller/Servicer service various of its Loans, pursuant to the terms of this Contract and the Residential Funding Seller and Servicer Guides incorporated herein by reference, as amended, supplemented or otherwise modified, from time to time (together, the "Guides"). NOW, THEREFORE, in consideration of the premises, and the terms, conditions and agreements set forth below, the parties agree as follows: 1. INCORPORATION OF GUIDES BY REFERENCE. The Seller/Servicer acknowledges that it has received and read the Guides. All provisions of the Guides are incorporated by reference into and made a part of this Contract, and shall be binding upon the parties; provided, however, that the Seller/Servicer shall be entitled to sell Loans to and/or service Loans for Residential Funding only if and for so long as it shall have been authorized to do so by Residential Funding in writing. Specific reference in this Contract to particular provisions of the Guides and not to other provisions does not mean that those provisions of the Guides not specifically cited in this Contract are not applicable. All terms used herein shall have the same meanings as such terms have in the Guides, unless the context clearly requires otherwise. 2. AMENDMENTS. This Contract may not be amended or modified orally, and no provision of this Contract may be waived or amended except in writing signed by the party against whom enforcement is sought. Such a written waiver or amendment must expressly reference this Contract. However, by their terms, the Guides may be amended or supplemented by Residential Funding from time to time. Any such amendment(s) to the Guides shall be binding upon the parties hereto. 3. REPRESENTATIONS AND WARRANTIES. a. Reciprocal Representations and Warranties. The Seller/Servicer and Residential Funding each represents and warrants to the other that as of the date of this Contract: (1) Each party is duly organized, validly existing, and in good standing under the laws of its jurisdiction of organization, is qualified, if necessary, to do business and in good standing in each jurisdiction in which it is required to be so qualified, and has the requisite power and authority to enter into this Contract and all other agreements which are contemplated by this Contract and to carry out its obligations hereunder and under the Guides and under such other agreements. (2) This Contract has been duly authorized, executed and delivered by each party and constitutes a valid and legally binding agreement of each party enforceable in accordance with its terms. (3) There is no action, proceeding or investigation pending or threatened, and no basis therefor is known to either party, that could affect the validity or prospective validity of this Contract. (4) Insofar as its capacity to carry out any obligation under this Contract is concerned, neither party is in violation of any charter, articles of incorporation, bylaws, mortgage, indenture, indebtedness, agreement, instrument, judgment, decree, order, statute, rule or regulation and none of the foregoing adversely affects its capacity to fulfill any of its obligations under this Contract. Its execution of, and performance pursuant to, this Contract will not result in a violation of any of the foregoing. b. Seller/Servicer's Representations, Warranties and Covenants. In addition to the representations, warranties and covenants made by the Seller/Servicer pursuant to subparagraph (a) of this paragraph 3, the Seller/Servicer makes the representations, warranties and covenants set forth in the Guides and, upon request, agrees to deliver to Residential Funding the certified Resolution of Board of Directors which authorizes the execution and delivery of this Contract. 4. REMEDIES OF RESIDENTIAL FUNDING. If an Event of Seller Default or an Event of Servicer Default shall occur, Residential Funding may, at its option, exercise one or more of those remedies set forth in the Guides. 5. SELLER/SERVICER'S STATUS AS INDEPENDENT CONTRACTOR. At no time shall the Seller/Servicer represent that it is acting as an agent of Residential Funding. The Seller/Servicer shall, at all times, act as an independent contractor. 6. PRIOR AGREEMENTS SUPERSEDED. This Contract restates, amends and supersedes any and all prior Seller Contracts or Servicer Contracts between the parties except that any subservicing agreement executed by the Seller/Servicer in connection with any loan-security exchange transaction shall not be affected. E-2 7. ASSIGNMENT. This Contract may not be assigned or transferred, in whole or in part, by the Seller/Servicer without the prior written consent of Residential Funding. Residential Funding may sell, assign, convey, hypothecate, pledge or in any other way transfer, in whole or in part, without restriction, its rights under this Contract and the Guides with respect to any Commitment or Loan. 8. NOTICES. All notices, requests, demands or other communications that are to be given under this Contract shall be in writing, addressed to the appropriate parties and sent by telefacsimile or by overnight courier or by United States mail, postage prepaid, to the addresses and telefacsimile numbers specified below. However, another name, address and/or telefacsimile number may be substituted by the Seller/Servicer pursuant to the requirements of this paragraph 8, or Residential Funding pursuant to an amendment to the Guides. If to Residential Funding, notices must be sent to the appropriate address or telefacsimile number specified in the Guides. If to the Seller/Servicer, notice must be sent to: ______________________________ Attention: Telefacsimile Number: ( ) - 9. JURISDICTION AND VENUE. Each of the parties irrevocably submits to the jurisdiction of any state or federal court located in Hennepin County, Minnesota, over any action, suit or proceeding to enforce or defend any right under this Contract or otherwise arising from any loan sale or servicing relationship existing in connection with this Contract, and each of the parties irrevocably agrees that all claims in respect of any such action or proceeding may be heard or determined in such state or federal court. Each of the parties irrevocably waives the defense of an inconvenient forum to the maintenance of any such action or proceeding and any other substantive or procedural rights or remedies it may have with respect to the maintenance of any such action or proceeding in any such forum. Each of the parties agrees that a final judgment in any such action or proceeding shall be conclusive and may be enforced in any other jurisdiction by suit on the judgment or in any other manner provided by law. Each of the parties further agrees not to institute any legal actions or proceedings against the other party or any director, officer, employee, attorney, agent or property of the other party, arising out of or relating to this Contract in any court other than as hereinabove specified in this paragraph 9. E-3 10. MISCELLANEOUS. This Contract, including all documents incorporated by reference herein, constitutes the entire understanding between the parties hereto and supersedes all other agreements, covenants, representations, warranties, understandings and communications between the parties, whether written or oral, with respect to the transactions contemplated by this Contract. All paragraph headings contained herein are for convenience only and shall not be construed as part of this Contract. Any provision of this Contract that is prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining portions hereof or affecting the validity or enforceability of such provision in any other jurisdiction, and, to this end, the provisions hereof are severable. This Contract shall be governed by, and construed and enforced in accordance with, applicable federal laws and the laws of the State of Minnesota. E-4 IN WITNESS WHEREOF, the duly authorized officers of the Seller/Servicer and Residential Funding have executed this Seller/Servicer Contract as of the date first above written. ATTEST: SELLER/SERVICER [Corporate Seal] (Name of Seller/Servicer) By: By: (Signature) (Signature) By: By: (Typed Name) (Typed Name) Title: Title: ======================================= ======================================= ATTEST: RESIDENTIAL FUNDING CORPORATION [Corporate Seal] By: By: (Signature) (Signature) By: By: (Typed Name) (Typed Name) Title: Title: E-5 EXHIBIT F FORMS OF REQUEST FOR RELEASE DATE: TO: RE: REQUEST FOR RELEASE OF DOCUMENTS In connection with the administration of the pool of Mortgage Loans held by you for the referenced pool, we request the release of the Mortgage Loan File described below. Pooling and Servicing Agreement Dated: Series#: Account#: Pool#: Loan#: MIN#: Borrower Name(s): Reason for Document Request: (circle one) Mortgage Loan Prepaid in Full Mortgage Loan Repurchased "We hereby certify that all amounts received or to be received in connection with such payments which are required to be deposited have been or will be so deposited as provided in the Pooling and Servicing Agreement." _______________________________ Residential Funding Corporation Authorized Signature ****************************************************************************** TO CUSTODIAN/TRUSTEE: Please acknowledge this request, and check off documents being enclosed with a copy of this form. You should retain this form for your files in accordance with the terms of the Pooling and Servicing Agreement. Enclosed Documents: [ ] Promissory Note [ ] Primary Insurance Policy [ ] Mortgage or Deed of Trust [ ] Assignment(s) of Mortgage or Deed of Trust [ ] Title Insurance Policy [ ] Other: Name: _______________________ Title: Date: EXHIBIT G-1 FORM OF TRANSFER AFFIDAVIT AND AGREEMENT STATE OF ) ) ss.: COUNTY OF ) [NAME OF OFFICER], being first duly sworn, deposes and says: 1. That he is [Title of Officer] of [Name of Owner] (record or beneficial owner of the Mortgage Asset-Backed Pass-Through Certificates, Series ____-___, Class R (the "Owner")), a [savings institution] [corporation] duly organized and existing under the laws of [the State of ] [the United States], on behalf of which he makes this affidavit and agreement. 2. That the Owner (i) is not and will not be a "disqualified organization" or an electing large partnership as of [date of transfer] within the meaning of Sections 860E(e)(5) and 775, respectively, of the Internal Revenue Code of 1986, as amended (the "Code") or an electing large partnership under Section 775(a) of the Code, (ii) will endeavor to remain other than a disqualified organization for so long as it retains its ownership interest in the Class R Certificates, and (iii) is acquiring the Class R Certificates for its own account or for the account of another Owner from which it has received an affidavit and agreement in substantially the same form as this affidavit and agreement. (For this purpose, a "disqualified organization" means an electing large partnership under Section 775 of the Code, the United States, any state or political subdivision thereof, any agency or instrumentality of any of the foregoing (other than an instrumentality all of the activities of which are subject to tax and, except for the Federal Home Loan Mortgage Corporation, a majority of whose board of directors is not selected by any such governmental entity) or any foreign government, international organization or any agency or instrumentality of such foreign government or organization, any rural electric or telephone cooperative, or any organization (other than certain farmers' cooperatives) that is generally exempt from federal income tax unless such organization is subject to the tax on unrelated business taxable income). 3. That the Owner is aware (i) of the tax that would be imposed on transfers of Class R Certificates to disqualified organizations or electing large partnerships, under the Code, that applies to all transfers of Class R Certificates after March 31, 1988; (ii) that such tax would be on the transferor (or, with respect to transfers to electing large partnerships, on each such partnership), or, if such transfer is through an agent (which person includes a broker, nominee or middleman) for a disqualified organization, on the agent; (iii) that the person (other than with respect to transfers to electing large partnerships) otherwise liable for the tax shall be relieved of liability for the tax if the transferee furnishes to such person an affidavit that the transferee is not a disqualified organization and, at the time of transfer, such person does not have actual knowledge that the affidavit is false; and (iv) that the Class R Certificates may be "noneconomic residual interests" within the meaning of Treasury regulations promulgated pursuant to the Code and that the G-1-1 transferor of a noneconomic residual interest will remain liable for any taxes due with respect to the income on such residual interest, unless no significant purpose of the transfer was to impede the assessment or collection of tax. 4. That the Owner is aware of the tax imposed on a "pass-through entity" holding Class R Certificates if either the pass-through entity is an electing large partnership under Section 775 of the Code or if at any time during the taxable year of the pass-through entity a disqualified organization is the record holder of an interest in such entity. (For this purpose, a "pass through entity" includes a regulated investment company, a real estate investment trust or common trust fund, a partnership, trust or estate, and certain cooperatives.) 5. The Owner is either (i) a citizen or resident of the United States, (ii) a corporation, partnership or other entity treated as a corporation or a partnership for U.S. federal income tax purposes and created or organized in or under the laws of the United States, any state thereof or the District of Columbia (other than a partnership that is not treated as a United States person under any applicable Treasury regulations), (iii) an estate that is described in Section 7701(a)(30)(D) of the Code, or (iv) a trust that is described in Section 7701(a)(30)(E) of the Code. 6. The Owner hereby agrees that it will not cause income from the Class R Certificates to be attributable to a foreign permanent establishment or fixed base (within the meaning of an applicable income tax treaty) of the Owner or another United States taxpayer. 7. That the Owner is aware that the Trustee will not register the transfer of any Class R Certificates unless the transferee, or the transferee's agent, delivers to it an affidavit and agreement, among other things, in substantially the same form as this affidavit and agreement. The Owner expressly agrees that it will not consummate any such transfer if it knows or believes that any of the representations contained in such affidavit and agreement are false. 8. That the Owner has reviewed the restrictions set forth on the face of the Class R Certificates and the provisions of Section 5.02(f) of the Pooling and Servicing Agreement under which the Class R Certificates were issued (in particular, clause (iii)(A) and (iii)(B) of Section 5.02(f) which authorize the Trustee to deliver payments to a person other than the Owner and negotiate a mandatory sale by the Trustee in the event the Owner holds such Certificates in violation of Section 5.02(f)). The Owner expressly agrees to be bound by and to comply with such restrictions and provisions. 9. That the Owner consents to any additional restrictions or arrangements that shall be deemed necessary upon advice of counsel to constitute a reasonable arrangement to ensure that the Class R Certificates will only be owned, directly or indirectly, by an Owner that is not a disqualified organization. 10. The Owner's Taxpayer Identification Number is . 11. This affidavit and agreement relates only to the Class R Certificates held by the Owner and not to any other holder of the Class R Certificates. The Owner understands that the liabilities described herein relate only to the Class R Certificates. G-2-1 12. That no purpose of the Owner relating to the transfer of any of the Class R Certificates by the Owner is or will be to impede the assessment or collection of any tax; in making this representation, the Owner warrants that the Owner is familiar with (i) Treasury Regulation Section 1.860E-1(c) and recent amendments thereto, effective as of July 19, 2002, and (ii) the preamble describing the adoption of the amendments to such regulation, which is attached hereto as Exhibit 1. 13. That the Owner has no present knowledge or expectation that it will be unable to pay any United States taxes owed by it so long as any of the Certificates remain outstanding. In this regard, the Owner hereby represents to and for the benefit of the person from whom it acquired the Class R Certificate that the Owner intends to pay taxes associated with holding such Class R Certificate as they become due, fully understanding that it may incur tax liabilities in excess of any cash flows generated by the Class R Certificate. 14. That the Owner has no present knowledge or expectation that it will become insolvent or subject to a bankruptcy proceeding for so long as any of the Class R Certificates remain outstanding. 15. The Purchaser is not an employee benefit plan or other plan subject to the prohibited transaction provisions of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or Section 4975 of the Code, or an investment manager, named fiduciary or a trustee of any such plan, or any other Person acting, directly or indirectly, on behalf of or purchasing any Certificate with "plan assets" of any such plan. G-3-1 IN WITNESS WHEREOF, the Owner has caused this instrument to be executed on its behalf, pursuant to the authority of its Board of Directors, by its [Title of Officer] and its corporate seal to be hereunto attached, attested by its [Assistant] Secretary, this day of , 200 . [NAME OF OWNER] By: [Name of Officer] [Title of Officer] [Corporate Seal] ATTEST: [Assistant] Secretary Personally appeared before me the above-named [Name of Officer], known or proved to me to be the same person who executed the foregoing instrument and to be the [Title of Officer] of the Owner, and acknowledged to me that he executed the same as his free act and deed and the free act and deed of the Owner. Subscribed and sworn before me this ___ day of ___, 200__ . NOTARY PUBLIC COUNTY OF ____________________ STATE OF _____________________ My Commission expires the ____ day of ____, 20__. G-4-1 EXHIBIT 1 DEPARTMENT OF THE TREASURY Internal Revenue Service 26 CFR Parts 1 and 602 [TD 9004] RIN 1545-AW98 Real Estate Mortgage Investment Conduits AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Final regulations. ----------------------------------------------------------------------- SUMMARY: This document contains final regulations relating to safe harbor transfers of noneconomic residual interests in real estate mortgage investment conduits (REMICs). The final regulations provide additional limitations on the circumstances under which transferors may claim safe harbor treatment. DATES: Effective Date: These regulations are effective July 19, 2002. Applicability Date: For dates of applicability, see Sec. 1.860E- (1)(c)(10). FOR FURTHER INFORMATION CONTACT: Courtney Shepardson at (202) 622-3940 (not a toll-free number). SUPPLEMENTARY INFORMATION: Paperwork Reduction Act G-5-1 The collection of information in this final rule has been reviewed and, pending receipt and evaluation of public comments, approved by the Office of Management and Budget (OMB) under 44 U.S.C. 3507 and assigned control number 1545-1675. The collection of information in this regulation is in Sec. 1.860E- 1(c)(5)(ii). This information is required to enable the IRS to verify that a taxpayer is complying with the conditions of this regulation. The collection of information is mandatory and is required. Otherwise, the taxpayer will not receive the benefit of safe harbor treatment as provided in the regulation. The likely respondents are businesses and other for-profit institutions. Comments on the collection of information should be sent to the Office of Management and Budget, Attn: Desk Officer for the Department of the Treasury, Office of Information and Regulatory Affairs, Washington, DC, 20503, with copies to the Internal Revenue Service, Attn: IRS Reports Clearance Officer, W:CAR:MP:FP:S, Washington, DC 20224. Comments on the collection of information should be received by September 17, 2002. Comments are specifically requested concerning: Whether the collection of information is necessary for the proper performance of the functions of the Internal Revenue Service, including whether the information will have practical utility; The accuracy of the estimated burden associated with the collection of information (see below); How the quality, utility, and clarity of the information to be collected may be enhanced; How the burden of complying with the collection of information may be minimized, including through the application of automated collection techniques or other forms of information technology; and Estimates of capital or start-up costs and costs of operation, maintenance, and purchase of service to provide information. An agency may not conduct or sponsor, and a person is not required to respond to, a collection of information unless it displays a valid control number assigned by the Office of Management and Budget. The estimated total annual reporting burden is 470 hours, based on an estimated number of respondents of 470 and an estimated average annual burden hours per respondent of one hour. Books or records relating to a collection of information must be retained as long as their contents may become material in the administration of any internal revenue law. Generally, tax returns and tax return information are confidential, as required by 26 U.S.C. 6103. G-6-1 Background This document contains final regulations regarding the proposed amendments to 26 CFR part 1 under section 860E of the Internal Revenue Code (Code). The regulations provide the circumstances under which a transferor of a noneconomic REMIC residual interest meeting the investigation and representation requirements may avail itself of the safe harbor by satisfying either the formula test or the asset test. Final regulations governing REMICs, issued in 1992, contain rules governing the transfer of noneconomic REMIC residual interests. In general, a transfer of a noneconomic residual interest is disregarded for all tax purposes if a significant purpose of the transfer is to [[Page 47452]] enable the transferor to impede the assessment or collection of tax. A purpose to impede the assessment or collection of tax (a wrongful purpose) exists if the transferor, at the time of the transfer, either knew or should have known that the transferee would be unwilling or unable to pay taxes due on its share of the REMIC's taxable income. Under a safe harbor, the transferor of a REMIC noneconomic residual interest is presumed not to have a wrongful purpose if two requirements are satisfied: (1) the transferor conducts a reasonable investigation of the transferee's financial condition (the investigation requirement); and (2) the transferor secures a representation from the transferee to the effect that the transferee understands the tax obligations associated with holding a residual interest and intends to pay those taxes (the representation requirement). The IRS and Treasury have been concerned that some transferors of noneconomic residual interests claim they satisfy the safe harbor even in situations where the economics of the transfer clearly indicate the transferee is unwilling or unable to pay the tax associated with holding the interest. For this reason, on February 7, 2000, the IRS published in the Federal Register (65 FR 5807) a notice of proposed rulemaking (REG-100276-97; REG-122450-98) designed to clarify the safe harbor by adding the "formula test," an economic test. The proposed regulation provides that the safe harbor is unavailable unless the present value of the anticipated tax liabilities associated with holding the residual interest does not exceed the sum of: (1) The present value of any consideration given to the transferee to acquire the interest; (2) the present value of the expected future distributions on the interest; and (3) the present value of the anticipated tax savings associated with holding the interest as the REMIC generates losses. G-7-1 The notice of proposed rulemaking also contained rules for FASITs. Section 1.860H-6(g) of the proposed regulations provides requirements for transfers of FASIT ownership interests and adopts a safe harbor by reference to the safe harbor provisions of the REMIC regulations. In January 2001, the IRS published Rev. Proc. 2001-12 (2001-3 I.R.B. 335) to set forth an alternative safe harbor that taxpayers could use while the IRS and the Treasury considered comments on the proposed regulations. Under the alternative safe harbor, if a transferor meets the investigation requirement and the representation requirement but the transfer fails to meet the formula test, the transferor may invoke the safe harbor if the transferee meets a two- prong test (the asset test). A transferee generally meets the first prong of this test if, at the time of the transfer, and in each of the two years preceding the year of transfer, the transferee's gross assets exceed $100 million and its net assets exceed $10 million. A transferee generally meets the second prong of this test if it is a domestic, taxable corporation and agrees in writing not to transfer the interest to any person other than another domestic, taxable corporation that also satisfies the requirements of the asset test. A transferor cannot rely on the asset test if the transferor knows, or has reason to know, that the transferee will not comply with its written agreement to limit the restrictions on subsequent transfers of the residual interest. Rev. Proc. 2001-12 provides that the asset test fails to be satisfied in the case of a transfer or assignment of a noneconomic residual interest to a foreign branch of an otherwise eligible transferee. If such a transfer or assignment were permitted, a corporate taxpayer might seek to claim that the provisions of an applicable income tax treaty would resource excess inclusion income as G-8-1 foreign source income, and that, as a consequence, any U.S. tax liability attributable to the excess inclusion income could be offset by foreign tax credits. Such a claim would impede the assessment or collection of U.S. tax on excess inclusion income, contrary to the congressional purpose of assuring that such income will be taxable in all events. See, e.g., sections 860E(a)(1), (b), (e) and 860G(b) of the Code. The Treasury and the IRS have learned that certain taxpayers transferring noneconomic residual interests to foreign branches have attempted to rely on the formula test to obtain safe harbor treatment in an effort to impede the assessment or collection of U.S. tax on excess inclusion income. Accordingly, the final regulations provide that if a noneconomic residual interest is transferred to a foreign permanent establishment or fixed base of a U.S. taxpayer, the transfer is not eligible for safe harbor treatment under either the asset test or the formula test. The final regulations also require a transferee to represent that it will not cause income from the noneconomic residual interest to be attributable to a foreign permanent establishment or fixed base. Section 1.860E-1(c)(8) provides computational rules that a taxpayer may use to qualify for safe harbor status under the formula test. Section 1.860E-1(c)(8)(i) provides that the transferee is presumed to pay tax at a rate equal to the highest rate of tax specified in section 11(b). Some commentators were concerned that this presumed rate of taxation was too high because it does not take into consideration taxpayers subject to the alternative minimum tax rate. In light of the comments received, this provision has been amended in the final regulations to allow certain transferees that compute their taxable income using the alternative minimum tax rate to use the alternative minimum tax rate applicable to corporations. Additionally, Sec. 1.860E-1(c)(8)(iii) provides that the present values in the formula test are to be computed using a discount rate equal to the applicable Federal short-term rate prescribed by section 1274(d). This is a change from the proposed regulation and Rev. Proc. 2001-12. In those publications the provision stated that "present values are computed using a discount rate equal to the applicable Federal rate prescribed in section 1274(d) compounded semiannually" and that "[a] lower discount rate may be used if the transferee can demonstrate that it regularly borrows, in the course of its trade G-9-1 or business, substantial funds at such lower rate from an unrelated third party." The IRS and the Treasury Department have learned that, based on this provision, certain taxpayers have been attempting to use unrealistically low or zero interest rates to satisfy the formula test, frustrating the intent of the test. Furthermore, the Treasury Department and the IRS believe that a rule allowing for a rate other than a rate based on an objective index would add unnecessary complexity to the safe harbor. As a result, the rule in the proposed regulations that permits a transferee to use a lower discount rate, if the transferee can demonstrate that it regularly borrows substantial funds at such lower rate, is not included in the final regulations; and the Federal short-term rate has been substituted for the applicable Federal rate. To simplify taxpayers' computations, the final regulations allow use of any of the published short-term rates, provided that the present values are computed with a corresponding period of compounding. With the exception of the provisions relating to transfers to foreign branches, these changes generally have the proposed applicability date of February 4, 2000, but taxpayers may choose to apply the interest rate formula set forth in the proposed regulation and Rev. Proc. 2001-12 for transfers occurring before August 19, 2002. It is anticipated that when final regulations are adopted with respect to [[Page 47453]] FASITs, Sec. 1.860H-6(g) of the proposed regulations will be adopted in substantially its present form, with the result that the final regulations contained in this document will also govern transfers of FASIT ownership interests with substantially the same applicability date as is contained in this document. Effect on Other Documents G-10-1 Rev. Proc. 2001-12 (2001-3 I.R.B. 335) is obsolete for transfers of noneconomic residual interests in REMICs occurring on or after August 19, 2002. Special Analyses It is hereby certified that these regulations will not have a significant economic impact on a substantial number of small entities. This certification is based on the fact that it is unlikely that a substantial number of small entities will hold REMIC residual interests. Therefore, a Regulatory Flexibility Analysis under the Regulatory Flexibility Act (5 U.S.C. chapter 6) is not required. It has been determined that this Treasury decision is not a significant regulatory action as defined in Executive Order 12866. Therefore, a regulatory assessment is not required. It also has been determined that sections 553(b) and 553(d) of the Administrative Procedure Act (5 U.S.C. chapter 5) do not apply to these regulations. Drafting Information The principal author of these regulations is Courtney Shepardson. However, other personnel from the IRS and Treasury Department participated in their development. List of Subjects G-11-1 26 CFR Part 1 Income taxes, Reporting and record keeping requirements. 26 CFR Part 602 Reporting and record keeping requirements. Adoption of Amendments to the Regulations Accordingly, 26 CFR parts 1 and 602 are amended as follows: PART 1--INCOME TAXES Paragraph 1. The authority citation for part 1 continues to read in part as follows: Authority: 26 U.S.C. 7805 * * * G-12-1 EXHIBIT G-2 FORM OF TRANSFEROR CERTIFICATE ________ , 20__ Residential Accredit Loans, Inc. 8400 Normandale Lake Boulevard Suite 250 Minneapolis, Minnesota 55437 __________________ __________________ __________________ Attention: Residential Funding Corporation Series ____-___ Re: Mortgage Asset-Backed Pass-Through Certificates, Series ____-___, Class R Ladies and Gentlemen: This letter is delivered to you in connection with the transfer by (the "Seller") to (the "Purchaser") of $ Initial Certificate Principal Balance of Mortgage Asset-Backed Pass-Through Certificates, Series ____-___, Class R (the "Certificates"), pursuant to Section 5.02 of the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated as of ___________ 1, ____ among Residential Accredit Loans, Inc., as seller (the "Company"), Residential Funding Corporation, as master servicer (the "Master Servicer"), and __________________, as trustee (the "Trustee"). All terms used herein and not otherwise defined shall have the meanings set forth in the Pooling and Servicing Agreement. The Seller hereby certifies, represents and warrants to, and covenants with, the Company and the Trustee that: 1. No purpose of the Seller relating to the transfer of the Certificate by the Seller to the Purchaser is or will be to impede the assessment or collection of any tax. 2. The Seller understands that the Purchaser has delivered to the Trustee and the Master Servicer a transfer affidavit and agreement in the form attached to the Pooling and Servicing Agreement as Exhibit G-1. The Seller does not know or believe that any representation contained therein is false. 3. The Seller has at the time of the transfer conducted a reasonable investigation of the financial condition of the Purchaser as contemplated by Treasury Regulations Section 1.860E-1(c)(4)(i) and, as a result of that investigation, the Seller has determined that the Purchaser has historically paid its debts as they become due and has found no significant evidence to G-2-1 indicate that the Purchaser will not continue to pay its debts as they become due in the future. The Seller understands that the transfer of a Class R Certificate may not be respected for United States income tax purposes (and the Seller may continue to be liable for United States income taxes associated therewith) unless the Seller has conducted such an investigation. 4. The Seller has no actual knowledge that the proposed Transferee is not both a United States Person and a Permitted Transferee. Very truly yours, ______________________________ (Seller) By: __________________________ Title: G-2-2 EXHIBIT H FORM OF INVESTOR REPRESENTATION LETTER _____________ , 20___ Residential Accredit Loans, Inc. 8400 Normandale Lake Boulevard Suite 250 Minneapolis, MN 55437 __________________ __________________ __________________ Residential Funding Corporation 8400 Normandale Lake Boulevard Suite 250 Minneapolis, MN 55437 Attention: Residential Funding Corporation Series ____-___ RE: Mortgage Asset-Backed Pass-Through Certificates, Series ____-___, [Class B-] Ladies and Gentlemen: _________________(the "Purchaser") intends to purchase from ________________ (the "Seller") $______________ Initial Certificate Principal Balance of Mortgage Asset-Backed Pass-Through Certificates, Series ____-___, Class (the "Certificates"), issued pursuant to the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated as of ___________ 1, ____ among Residential Accredit Loans, Inc., as seller (the "Company"), Residential Funding Corporation, as master servicer (the "Master Servicer"), and __________________, as trustee (the "Trustee"). All terms used herein and not otherwise defined shall have the meanings set forth in the Pooling and Servicing Agreement. The Purchaser hereby certifies, represents and warrants to, and covenants with, the Company, the Trustee and the Master Servicer that: 1. The Purchaser understands that (a) the Certificates have not been and will not be registered or qualified under the Securities Act of 1933, as amended (the "Act") or any state securities law, (b) the Company is not required to so register or qualify the Certificates, (c) the Certificates may be resold only if registered and qualified pursuant to the provisions of the Act or any state securities law, or if an exemption from such registration and qualification is available, (d) the Pooling and Servicing Agreement contains restrictions regarding the transfer of the Certificates and (e) the Certificates will bear a legend to the foregoing effect. 2. The Purchaser is acquiring the Certificates for its own account for investment only and not with a view to or for sale in connection with any distribution thereof in any manner that would violate the Act or any applicable state securities laws. 3. The Purchaser is (a) a substantial, sophisticated institutional investor having such knowledge and experience in financial and business matters, and, in particular, in such matters related to securities similar to the Certificates, such that it is capable of evaluating the merits and risks of investment in the Certificates, (b) able to bear the economic risks of such an investment and (c) an "accredited investor" within the meaning of Rule 501(a) promulgated pursuant to the Act. 4. The Purchaser has been furnished with, and has had an opportunity to review (a) [a copy of the Private Placement Memorandum, dated _______, 20__, relating to the Certificates (b)] a copy of the Pooling and Servicing Agreement and [b] [c] such other information concerning the Certificates, the Mortgage Loans and the Company as has been requested by the Purchaser from the Company or the Seller and is relevant to the Purchaser's decision to purchase the Certificates. The Purchaser has had any questions arising from such review answered by the Company or the Seller to the satisfaction of the Purchaser. [If the Purchaser did not purchase the Certificates from the Seller in connection with the initial distribution of the Certificates and was provided with a copy of the Private Placement Memorandum (the "Memorandum") relating to the original sale (the "Original Sale") of the Certificates by the Company, the Purchaser acknowledges that such Memorandum was provided to it by the Seller, that the Memorandum was prepared by the Company solely for use in connection with the Original Sale and the Company did not participate in or facilitate in any way the purchase of the Certificates by the Purchaser from the Seller, and the Purchaser agrees that it will look solely to the Seller and not to the Company with respect to any damage, liability, claim or expense arising out of, resulting from or in connection with (a) error or omission, or alleged error or omission, contained in the Memorandum, or (b) any information, development or event arising after the date of the Memorandum.] 5. The Purchaser has not and will not nor has it authorized or will it authorize any person to (a) offer, pledge, sell, dispose of or otherwise transfer any Certificate, any interest in any Certificate or any other similar security to any person in any manner, (b) solicit any offer to buy or to accept a pledge, disposition of other transfer of any Certificate, any interest in any Certificate or any other similar security from any person in any manner, (c) otherwise approach or negotiate with respect to any Certificate, any interest in any Certificate or any other similar security with any person in any manner, H-2 (d) make any general solicitation by means of general advertising or in any other manner or (e) take any other action, that (as to any of (a) through (e) above) would constitute a distribution of any Certificate under the Act, that would render the disposition of any Certificate a violation of Section 5 of the Act or any state securities law, or that would require registration or qualification pursuant thereto. The Purchaser will not sell or otherwise transfer any of the Certificates, except in compliance with the provisions of the Pooling and Servicing Agreement. 6. The Purchaser (a) is not an employee benefit or other plan subject to the prohibited transaction provisions of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or Section 4975 of the Internal Revenue Code of 1986, as amended (a "Plan"), or any other person (including an investment manager, a named fiduciary or a trustee of any Plan) acting, directly or indirectly, on behalf of or purchasing any Certificate with "plan assets" of any Plan within the meaning of the Department of Labor ("DOL") regulation at 29 C.F.R. ss.2510.3-101; or (b) is an insurance company, the source of funds to be used by it to purchase the Certificates is an "insurance company general account" (within the meaning of DOL Prohibited Transaction Class Exemption ("PTCE") 95-60), and the purchase is being made in reliance upon the availability of the exemptive relief afforded under Sections I and III of PTCE 95-60. In addition, the Purchaser hereby certifies, represents and warrants to, and covenants with, the Company, the Trustee and the Master Servicer that the Purchaser will not transfer such Certificates to any Plan or person unless such Plan or person meets the requirements set forth in either 6(a) or (b) above. Very truly yours, By:____________________ Name: Title: H-3 EXHIBIT I FORM OF TRANSFEROR REPRESENTATION LETTER _______ , 20__ Residential Accredit Loans, Inc. 8400 Normandale Lake Boulevard Suite 250 Minneapolis, MN 55437 __________________ __________________ __________________ Attention: Residential Funding Corporation Series ____-___ Re: Mortgage Asset-Backed Pass-Through Certificates, Series ____-___, [Class B-] Ladies and Gentlemen: In connection with the sale by (the "Seller") to (the "Purchaser") of $ Initial Certificate Principal Balance of Mortgage Asset-Backed Pass-Through Certificates, Series ____-___, Class (the "Certificates"), issued pursuant to the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated as of ___________ 1, ____ among Residential Accredit Loans, Inc., as seller (the "Company"), Residential Funding Corporation, as master servicer, and __________________, as trustee (the "Trustee"). The Seller hereby certifies, represents and warrants to, and covenants with, the Company and the Trustee that: Neither the Seller nor anyone acting on its behalf has (a) offered, pledged, sold, disposed of or otherwise transferred any Certificate, any interest in any Certificate or any other similar security to any person in any manner, (b) has solicited any offer to buy or to accept a pledge, disposition or other transfer of any Certificate, any interest in any Certificate or any other similar security from any person in any manner, (c) has otherwise approached or negotiated with respect to any Certificate, any interest in any Certificate or any other similar security with any person in any manner, (d) has made any general solicitation by means of general advertising or in any other manner, or (e) has taken any other action, that (as to any of (a) through (e) above) would constitute a distribution of the Certificates under the Securities Act of 1933 (the "Act"), that would render the disposition of any Certificate a violation of Section 5 of the Act or any state securities law, or that would require registration or qualification pursuant thereto. The Seller will not act, in any manner set forth in the foregoing sentence with respect to any Certificate. The Seller has not and will not sell or otherwise transfer any of the Certificates, except in compliance with the provisions of the Pooling and Servicing Agreement. Very truly yours, __________________________ (Seller) By: ________________________ Name: Title: EXHIBIT J [FORM OF RULE 144A INVESTMENT REPRESENTATION] Description of Rule 144A Securities, including numbers: _______________________________________________________ The undersigned seller, as registered holder (the "Seller"), intends to transfer the Rule 144A Securities described above to the undersigned buyer (the "Buyer"). 1. In connection with such transfer and in accordance with the agreements pursuant to which the Rule 144A Securities were issued, the Seller hereby certifies the following facts: Neither the Seller nor anyone acting on its behalf has offered, transferred, pledged, sold or otherwise disposed of the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security to, or solicited any offer to buy or accept a transfer, pledge or other disposition of the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security from, or otherwise approached or negotiated with respect to the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security with, any person in any manner, or made any general solicitation by means of general advertising or in any other manner, or taken any other action, that would constitute a distribution of the Rule 144A Securities under the Securities Act of 1933, as amended (the "1933 Act"), or that would render the disposition of the Rule 144A Securities a violation of Section 5 of the 1933 Act or require registration pursuant thereto, and that the Seller has not offered the Rule 144A Securities to any person other than the Buyer or another "qualified institutional buyer" as defined in Rule 144A under the 1933 Act. 2. The Buyer warrants and represents to, and covenants with, the Seller, the Trustee and the Master Servicer (as defined in the Pooling and Servicing Agreement (the "Agreement"), dated as of ___________ 1, ____ among Residential Funding Corporation as Master Servicer, Residential Accredit Loans, Inc. as depositor pursuant to Section 5.02 of the Agreement and __________________, as trustee, as follows: (a) The Buyer understands that the Rule 144A Securities have not been registered under the 1933 Act or the securities laws of any state. (b) The Buyer considers itself a substantial, sophisticated institutional investor having such knowledge and experience in financial and business matters that it is capable of evaluating the merits and risks of investment in the Rule 144A Securities. (c) The Buyer has been furnished with all information regarding the Rule 144A Securities that it has requested from the Seller, the Trustee or the Servicer. (d) Neither the Buyer nor anyone acting on its behalf has offered, transferred, pledged, sold or otherwise disposed of the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security to, or solicited any offer to buy or accept a transfer, pledge or other disposition of the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security from, or otherwise approached or negotiated with respect to the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security with, any person in any manner, or made any general solicitation by means of general advertising or in any other manner, or taken any other action, that would constitute a distribution of the Rule 144A Securities under the 1933 Act or that would render the disposition of the Rule 144A Securities a violation of Section 5 of the 1933 Act or require registration pursuant thereto, nor will it act, nor has it authorized or will it authorize any person to act, in such manner with respect to the Rule 144A Securities. (e) The Buyer is a "qualified institutional buyer" as that term is defined in Rule 144A under the 1933 Act and has completed either of the forms of certification to that effect attached hereto as Annex 1 or Annex 2. The Buyer is aware that the sale to it is being made in reliance on Rule 144A. The Buyer is acquiring the Rule 144A Securities for its own account or the accounts of other qualified institutional buyers, understands that such Rule 144A Securities may be resold, pledged or transferred only (i) to a person reasonably believed to be a qualified institutional buyer that purchases for its own account or for the account of a qualified institutional buyer to whom notice is given that the resale, pledge or transfer is being made in reliance on Rule 144A, or (ii) pursuant to another exemption from registration under the 1933 Act. [3. The Buyer (a) is not an employee benefit or other plan subject to the prohibited transaction provisions of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or Section 4975 of the Internal Revenue Code of 1986, as amended (a "Plan"), or any other person (including an investment manager, a named fiduciary or a trustee of any Plan) acting, directly or indirectly, on behalf of or purchasing any Certificate with "plan assets" of any Plan within the meaning of the Department of Labor ("DOL") regulation at 29 C.F.R. ss. 2510.3-101; or (b) is an insurance company, the source of funds to be used by it to purchase the Certificates is an "insurance company general account" (within the meaning of DOL Prohibited Transaction Class Exemption ("PTCE") 95-60), and the purchase is being made in reliance upon the availability of the exemptive relief afforded under Sections I and III of PTCE 95-60.] 4. This document may be executed in one or more counterparts and by the different parties hereto on separate counterparts, each of which, when so executed, shall be deemed to be an original; such counterparts, together, shall constitute one and the same document. IN WITNESS WHEREOF, each of the parties has executed this document as of the date set forth below. Print Name of Seller Print Name of Buyer By: By: Name: Name: Title: Title: Taxpayer Identification Taxpayer Identification: No. No: Date: Date: ANNEX 1 TO EXHIBIT J QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A [For Buyers Other Than Registered Investment Companies] The undersigned hereby certifies as follows in connection with the Rule 144A Investment Representation to which this Certification is attached: 1. As indicated below, the undersigned is the President, Chief Financial Officer, Senior Vice President or other executive officer of the Buyer. 2. In connection with purchases by the Buyer, the Buyer is a "qualified institutional buyer" as that term is defined in Rule 144A under the Securities Act of 1933 ("Rule 144A") because (i) the Buyer owned and/or invested on a discretionary basis $ in securities (except for the excluded securities referred to below) as of the end of the Buyer's most recent fiscal year (such amount being calculated in accordance with Rule 144A) and (ii) the Buyer satisfies the criteria in the category marked below. -- Corporation, etc. The Buyer is a corporation (other than a bank, savings and loan association or similar institution), Massachusetts or similar business trust, partnership, or charitable organization described in Section 501(c)(3) of the Internal Revenue Code. -- Bank. The Buyer (a) is a national bank or banking institution organized under the laws of any State, territory or the District of Columbia, the business of which is substantially confined to banking and is supervised by the State or territorial banking commission or similar official or is a foreign bank or equivalent institution, and (b) has an audited net worth of at least $25,000,000 as demonstrated in its latest annual financial statements, a copy of which is attached hereto. -- Savings and Loan. The Buyer (a) is a savings and loan association, building and loan association, cooperative bank, homestead association or similar institution, which is supervised and examined by a State or Federal authority having supervision over any such institutions or is a foreign savings and loan association or equivalent institution and (b) has an audited net worth of at least $25,000,000 as demonstrated in its latest annual financial statements. -- Broker-Dealer. The Buyer is a dealer registered pursuant to Section 15 of the Securities Exchange Act of 1934. -- Insurance Company. The Buyer is an insurance company whose primary and predominant business activity is the writing of insurance or the reinsuring of risks underwritten by insurance companies and which is subject to supervision by the insurance commissioner or a similar official or agency of a State or territory or the District of Columbia. -- State or Local Plan. The Buyer is a plan established and maintained by a State, its political subdivisions, or any agency or instrumentality of the State or its political subdivisions, for the benefit of its employees. -- ERISA Plan. The Buyer is an employee benefit plan within the meaning of Title I of the Employee Retirement Income Security Act of 1974. -- Investment Adviser. The Buyer is an investment adviser registered under the Investment Advisers Act of 1940. -- SBIC. The Buyer is a Small Business Investment Company licensed by the U.S. Small Business Administration under Section 301(c) or (d) of the Small Business Investment Act of 1958. -- Business Development Company. The Buyer is a business development company as defined in Section 202(a)(22) of the Investment Advisers Act of 1940. -- Trust Fund. The Buyer is a trust fund whose trustee is a bank or trust company and whose participants are exclusively (a) plans established and maintained by a State, its political subdivisions, or any agency or instrumentality of the State or its political subdivisions, for the benefit of its employees, or (b) employee benefit plans within the meaning of Title I of the Employee Retirement Income Security Act of 1974, but is not a trust fund that includes as participants individual retirement accounts or H.R. 10 plans. 3. The term "securities" as used herein does not include (i) securities of issuers that are affiliated with the Buyer, (ii) securities that are part of an unsold allotment to or subscription by the Buyer, if the Buyer is a dealer, (iii) bank deposit notes and certificates of deposit, (iv) loan participations, (v) repurchase agreements, (vi) securities owned but subject to a repurchase agreement and (vii) currency, interest rate and commodity swaps. 4. For purposes of determining the aggregate amount of securities owned and/or invested on a discretionary basis by the Buyer, the Buyer used the cost of such securities to the Buyer and did not include any of the securities referred to in the preceding paragraph. Further, in determining such aggregate amount, the Buyer may have included securities owned by subsidiaries of the Buyer, but only if such subsidiaries are consolidated with the Buyer in its financial statements prepared in accordance with generally accepted accounting principles and if the investments of such subsidiaries are managed under the Buyer's direction. However, such securities were not included if the Buyer is a majority-owned, consolidated subsidiary of another enterprise and the Buyer is not itself a reporting company under the Securities Exchange Act of 1934. 5. The Buyer acknowledges that it is familiar with Rule 144A and understands that the seller to it and other parties related to the Certificates are relying and will continue to rely on the statements made herein because one or more sales to the Buyer may be in reliance on Rule 144A. J-2 Will the Buyer be purchasing the Rule 144A Yes No Securities only for the Buyer's own account? 6. If the answer to the foregoing question is "no", the Buyer agrees that, in connection with any purchase of securities sold to the Buyer for the account of a third party (including any separate account) in reliance on Rule 144A, the Buyer will only purchase for the account of a third party that at the time is a "qualified institutional buyer" within the meaning of Rule 144A. In addition, the Buyer agrees that the Buyer will not purchase securities for a third party unless the Buyer has obtained a current representation letter from such third party or taken other appropriate steps contemplated by Rule 144A to conclude that such third party independently meets the definition of "qualified institutional buyer" set forth in Rule 144A. 7. The Buyer will notify each of the parties to which this certification is made of any changes in the information and conclusions herein. Until such notice is given, the Buyer's purchase of Rule 144A Securities will constitute a reaffirmation of this certification as of the date of such purchase. Print Name of Buyer By: _________________________ Name: Title: Date: J-3 ANNEX 2 TO EXHIBIT J QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A [For Buyers That Are Registered Investment Companies] The undersigned hereby certifies as follows in connection with the Rule 144A Investment Representation to which this Certification is attached: 8. As indicated below, the undersigned is the President, Chief Financial Officer or Senior Vice President of the Buyer or, if the Buyer is a "qualified institutional buyer" as that term is defined in Rule 144A under the Securities Act of 1933 ("Rule 144A") because Buyer is part of a Family of Investment Companies (as defined below), is such an officer of the Adviser. 9. In connection with purchases by Buyer, the Buyer is a "qualified institutional buyer" as defined in SEC Rule 144A because (i) the Buyer is an investment company registered under the Investment Company Act of 1940, and (ii) as marked below, the Buyer alone, or the Buyer's Family of Investment Companies, owned at least $100,000,000 in securities (other than the excluded securities referred to below) as of the end of the Buyer's most recent fiscal year. For purposes of determining the amount of securities owned by the Buyer or the Buyer's Family of Investment Companies, the cost of such securities was used. -- The Buyer owned $ in securities (other than the excluded securities referred to below) as of the end of the Buyer's most recent fiscal year (such amount being calculated in accordance with Rule 144A). -- The Buyer is part of a Family of Investment Companies which owned in the aggregate $ in securities (other than the excluded securities referred to below) as of the end of the Buyer's most recent fiscal year (such amount being calculated in accordance with Rule 144A). 10. The term "Family of Investment Companies" as used herein means two or more registered investment companies (or series thereof) that have the same investment adviser or investment advisers that are affiliated (by virtue of being majority owned subsidiaries of the same parent or because one investment adviser is a majority owned subsidiary of the other). 11. The term "securities" as used herein does not include (i) securities of issuers that are affiliated with the Buyer or are part of the Buyer's Family of Investment Companies, (ii) bank deposit notes and certificates of deposit, (iii) loan participations, (iv) repurchase agreements, (v) securities owned but subject to a repurchase agreement and (vi) currency, interest rate and commodity swaps. 12. The Buyer is familiar with Rule 144A and understands that each of the parties to which this certification is made are relying and will continue to rely on the statements made herein because one or more sales to the Buyer will be in reliance on Rule 144A. In addition, the Buyer will only purchase for the Buyer's own account. 13. The undersigned will notify each of the parties to which this certification is made of any changes in the information and conclusions herein. Until such notice, the Buyer's purchase of Rule 144A Securities will constitute a reaffirmation of this certification by the undersigned as of the date of such purchase. Print Name of Buyer By: Name: IF AN ADVISER: Print Name of Buyer Date: EXHIBIT K [TEXT OF AMENDMENT TO POOLING AND SERVICING AGREEMENT PURSUANT TO SECTION 11.01(E) FOR A LIMITED GUARANTY] ARTICLE XII Subordinate Certificate Loss Coverage; Limited Guaranty Section 12.01. Subordinate Certificate Loss Coverage; Limited Guaranty. (a) Subject to subsection (c) below, prior to the later of the third Business Day prior to each Distribution Date or the related Determination Date, the Master Servicer shall determine whether it or any Sub-Servicer will be entitled to any reimbursement pursuant to Section 4.02(a) on such Distribution Date for Advances or Sub-Servicer Advances previously made, (which will not be Advances or Sub-Servicer Advances that were made with respect to delinquencies which were subsequently determined to be Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses or Extraordinary Losses) and, if so, the Master Servicer shall demand payment from Residential Funding of an amount equal to the amount of any Advances or Sub-Servicer Advances reimbursed pursuant to Section 4.02(a), to the extent such Advances or Sub-Servicer Advances have not been included in the amount of the Realized Loss in the related Mortgage Loan, and shall distribute the same to the Class B Certificateholders in the same manner as if such amount were to be distributed pursuant to Section 4.02(a). (b) Subject to subsection (c) below, prior to the later of the third Business Day prior to each Distribution Date or the related Determination Date, the Master Servicer shall determine whether any Realized Losses (other than Excess Special Hazard Losses, Excess Bankruptcy Losses, Excess Fraud Losses and Extraordinary Losses) will be allocated to the Class B Certificates on such Distribution Date pursuant to Section 4.05, and, if so, the Master Servicer shall demand payment from Residential Funding of the amount of such Realized Loss and shall distribute the same to the Class B Certificateholders in the same manner as if such amount were to be distributed pursuant to Section 4.02(a); provided, however, that the amount of such demand in respect of any Distribution Date shall in no event be greater than the sum of (i) the additional amount of Accrued Certificate Interest that would have been paid for the Class B Certificateholders on such Distribution Date had such Realized Loss or Losses not occurred plus (ii) the amount of the reduction in the Certificate Principal Balances of the Class B Certificates on such Distribution Date due to such Realized Loss or Losses. Notwithstanding such payment, such Realized Losses shall be deemed to have been borne by the Certificateholders for purposes of Section 4.05. Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses and Extraordinary Losses allocated to the Class B Certificates will not be covered by the Subordinate Certificate Loss Obligation. (c) Demands for payments pursuant to this Section shall be made prior to the later of the third Business Day prior to each Distribution Date or the related Determination Date by the Master Servicer with written notice thereof to the Trustee. The maximum amount that Residential Funding shall be required to pay pursuant to this Section on any Distribution Date (the "Amount Available") shall be equal to the lesser of (X) minus the sum of (i) all previous payments made under subsections (a) and (b) hereof and (ii) all draws under the Limited Guaranty made in lieu of such payments as described below in subsection (d) and (Y) the then outstanding Certificate Principal Balances of the Class B Certificates, or such lower amount as may be established pursuant to Section 12.02. Residential Funding's obligations as described in this Section are referred to herein as the "Subordinate Certificate Loss Obligation." (d) The Trustee will promptly notify General Motors Acceptance Corporation of any failure of Residential Funding to make any payments hereunder and shall demand payment pursuant to the limited guaranty (the "Limited Guaranty"), executed by General Motors Acceptance Corporation, of Residential Funding's obligation to make payments pursuant to this Section, in an amount equal to the lesser of (i) the Amount Available and (ii) such required payments, by delivering to General Motors Acceptance Corporation a written demand for payment by wire transfer, not later than the second Business Day prior to the Distribution Date for such month, with a copy to the Master Servicer. (e) All payments made by Residential Funding pursuant to this Section or amounts paid under the Limited Guaranty shall be deposited directly in the Certificate Account, for distribution on the Distribution Date for such month to the Class B Certificateholders. (f) The Company shall have the option, in its sole discretion, to substitute for either or both of the Limited Guaranty or the Subordinate Certificate Loss Obligation another instrument in the form of a corporate guaranty, an irrevocable letter of credit, a surety bond, insurance policy or similar instrument or a reserve fund; provided that (i) the Company obtains (subject to the provisions of Section 10.01(f) as if the Company was substituted for the Master Servicer solely for the purposes of such provision) an Opinion of Counsel (which need not be an opinion of Independent counsel) to the effect that obtaining such substitute corporate guaranty, irrevocable letter of credit, surety bond, insurance policy or similar instrument or reserve fund will not cause either (a) any federal tax to be imposed on the Trust Fund, including without limitation, any federal tax imposed on "prohibited transactions" under Section 860(F)(a)(1) of the Code or on "contributions after the startup date" under Section 860(G)(d)(1) of the Code or (b) the Trust Fund to fail to qualify as a REMIC at any time that any Certificate is outstanding, and (ii) no such substitution shall be made unless (A) the substitute Limited Guaranty or Subordinate Certificate Loss Obligation is for an initial amount not less than the then current Amount Available and contains provisions that are in all material respects equivalent to the original Limited Guaranty or Subordinate Certificate Loss Obligation (including that no portion of the fees, reimbursements or other obligations under any such instrument will be borne by the Trust Fund), (B) the long term debt obligations of any obligor of any substitute Limited Guaranty or Subordinate Certificate Loss Obligation (if not supported by the Limited Guaranty) shall be rated at least the lesser of (a) the rating of the long term debt obligations of General Motors Acceptance Corporation as of the date of issuance of the Limited Guaranty and (b) the rating of the long term debt obligations of General Motors Acceptance Corporation at the date of such substitution and (C) the Company obtains written confirmation from each nationally recognized credit rating agency that rated the Class B Certificates at the request of the Company that such substitution shall not lower the rating on the Class B Certificates below the lesser of (a) the then-current rating assigned to the Class B Certificates by such rating agency and (b) the original rating assigned to the Class B Certificates by such rating agency. Any replacement of the Limited Guaranty or Subordinate Certificate Loss Obligation pursuant to this Section shall be accompanied by a written Opinion of Counsel to the substitute guarantor or obligor, addressed to the Master Servicer and the Trustee, that such substitute instrument constitutes a legal, valid and binding obligation of the substitute guarantor or obligor, enforceable in accordance with its terms, and concerning such other matters as the Master Servicer and the Trustee shall reasonably request. Neither the Company, the Master Servicer nor the Trustee shall be obligated to substitute for or replace the Limited Guaranty or Subordinate Certificate Loss Obligation under any circumstance. Section 12.02. Amendments Relating to the Limited Guaranty. Notwithstanding Sections 11.01 or 12.01: (i) the provisions of this Article XII may be amended, superseded or deleted, (ii) the Limited Guaranty or Subordinate Certificate Loss Obligation may be amended, reduced or canceled, and (iii) any other provision of this Agreement which is related or incidental to the matters described in this Article XII may be amended in any manner; in each case by written instrument executed or consented to by the Company and Residential Funding but without the consent of any Certificateholder and without the consent of the Master Servicer or the Trustee being required unless any such amendment would impose any additional obligation on, or otherwise adversely affect the interests of, the Master Servicer or the Trustee, as applicable; provided that the Company shall also obtain a letter from each nationally recognized credit rating agency that rated the Class B Certificates at the request of the Company to the effect that such amendment, reduction, deletion or cancellation will not lower the rating on the Class B Certificates below the lesser of (a) the then-current rating assigned to the Class B Certificates by such rating agency and (b) the original rating assigned to the Class B Certificates by such rating agency, unless (A) the Holder of 100% of the Class B Certificates is Residential Funding or an Affiliate of Residential Funding, or (B) such amendment, reduction, deletion or cancellation is made in accordance with Section 11.01(e) and, provided further that the Company obtains (subject to the provisions of Section 10.01(f) as if the Company was substituted for the Master Servicer solely for the purposes of such provision), in the case of a material amendment or supercession (but not a reduction, cancellation or deletion of the Limited Guaranty or the Subordinate Certificate Loss Obligation), an Opinion of Counsel (which need not be an opinion of Independent counsel) to the effect that any such amendment or supercession will not cause either (a) any federal tax to be imposed on the Trust Fund, including without limitation, any federal tax imposed on "prohibited transactions" under Section 860F(a)(1) of the Code or on "contributions after the startup date" under Section 860G(d)(1) of the Code or (b) the Trust Fund to fail to qualify as a REMIC at any time that any Certificate is outstanding. A copy of any such instrument shall be provided to the Trustee and the Master Servicer together with an Opinion of Counsel that such amendment complies with this Section 12.02. EXHIBIT L [FORM OF LIMITED GUARANTY] LIMITED GUARANTY RESIDENTIAL ACCREDIT LOANS, INC. Mortgage Asset-Backed Pass-Through Certificates Series ____-___ ____________ , 200_ __________________ __________________ __________________ Attention: Residential Funding Corporation Series ____-___ Ladies and Gentlemen: WHEREAS, Residential Funding Corporation, a Delaware corporation ("Residential Funding"), an indirect wholly-owned subsidiary of General Motors Acceptance Corporation, a New York corporation ("GMAC"), plans to incur certain obligations as described under Section 12.01 of the Pooling and Servicing Agreement dated as of ___________ 1, ____ (the "Servicing Agreement"), among Residential Accredit Loans, Inc. (the "Company"), Residential Funding and __________________ (the "Trustee") as amended by Amendment No. thereto, dated as of , with respect to the Mortgage Asset-Backed Pass-Through Certificates, Series ____-___ (the "Certificates"); and WHEREAS, pursuant to Section 12.01 of the Servicing Agreement, Residential Funding agrees to make payments to the Holders of the Class B Certificates with respect to certain losses on the Mortgage Loans as described in the Servicing Agreement; and WHEREAS, GMAC desires to provide certain assurances with respect to the ability of Residential Funding to secure sufficient funds and faithfully to perform its Subordinate Certificate Loss Obligation; NOW THEREFORE, in consideration of the premises herein contained and certain other good and valuable consideration, the receipt of which is hereby acknowledged, GMAC agrees as follows: 1. Provision of Funds. (a) GMAC agrees to contribute and deposit in the Certificate Account on behalf of Residential Funding (or otherwise provide to Residential Funding, or to cause to be made available to Residential Funding), either directly or through a subsidiary, in any case prior to the related Distribution Date, such moneys as may be required by Residential Funding to perform its Subordinate Certificate Loss Obligation when and as the same arises from time to time upon the demand of the Trustee in accordance with Section 12.01 of the Servicing Agreement. (b) The agreement set forth in the preceding clause (a) shall be absolute, irrevocable and unconditional and shall not be affected by the transfer by GMAC or any other person of all or any part of its or their interest in Residential Funding, by any insolvency, bankruptcy, dissolution or other proceeding affecting Residential Funding or any other person, by any defense or right of counterclaim, set-off or recoupment that GMAC may have against Residential Funding or any other person or by any other fact or circumstance. Notwithstanding the foregoing, GMAC's obligations under clause (a) shall terminate upon the earlier of (x) substitution for this Limited Guaranty pursuant to Section 12.01(f) of the Servicing Agreement, or (y) the termination of the Trust Fund pursuant to the Servicing Agreement. 2. Waiver. GMAC hereby waives any failure or delay on the part of Residential Funding, the Trustee or any other person in asserting or enforcing any rights or in making any claims or demands hereunder. Any defective or partial exercise of any such rights shall not preclude any other or further exercise of that or any other such right. GMAC further waives demand, presentment, notice of default, protest, notice of acceptance and any other notices with respect to this Limited Guaranty, including, without limitation, those of action or nonaction on the part of Residential Funding or the Trustee. 3. Modification, Amendment and Termination. This Limited Guaranty may be modified, amended or terminated only by the written agreement of GMAC and the Trustee and only if such modification, amendment or termination is permitted under Section 12.02 of the Servicing Agreement. The obligations of GMAC under this Limited Guaranty shall continue and remain in effect so long as the Servicing Agreement is not modified or amended in any way that might affect the obligations of GMAC under this Limited Guaranty without the prior written consent of GMAC. 4. Successor. Except as otherwise expressly provided herein, the guarantee herein set forth shall be binding upon GMAC and its respective successors. 5. Governing Law. This Limited Guaranty shall be governed by the laws of the State of New York. 6. Authorization and Reliance. GMAC understands that a copy of this Limited Guaranty shall be delivered to the Trustee in connection with the execution of Amendment No. 1 to the Servicing Agreement and GMAC hereby authorizes the Company and the Trustee to rely on the covenants and agreements set forth herein. 7. Definitions. Capitalized terms used but not otherwise defined herein shall have the meaning given them in the Servicing Agreement. 8. Counterparts. This Limited Guaranty may be executed in any number of counterparts, each of which shall be deemed to be an original and such counterparts shall constitute but one and the same instrument. L-2 IN WITNESS WHEREOF, GMAC has caused this Limited Guaranty to be executed and delivered by its respective officers thereunto duly authorized as of the day and year first above written. GENERAL MOTORS ACCEPTANCE CORPORATION By:________________________ Name: Title: Acknowledged by: __________________, as Trustee By: Name: Title: RESIDENTIAL ACCREDIT LOANS, INC. By: Name: Title: L-3 EXHIBIT M FORM OF LENDER CERTIFICATION FOR ASSIGNMENT OF MORTGAGE LOAN _________ , 20___ Residential Accredit Loans, Inc. 8400 Normandale Lake Boulevard Suite 250 Minneapolis, Minnesota 55437 __________________ __________________ __________________ Attention: Residential Funding Corporation Series ____-___ Re: Mortgage Asset-Backed Pass-Through Certificates, Series ____-___ Assignment of Mortgage Loan Ladies and Gentlemen: This letter is delivered to you in connection with the assignment by (the "Trustee") to (the "Lender") of (the "Mortgage Loan") pursuant to Section 3.13(d) of the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated as of ___________ 1, ____ among Residential Accredit Loans, Inc., as seller (the "Company"), Residential Funding Corporation, as master servicer, and the Trustee. All terms used herein and not otherwise defined shall have the meanings set forth in the Pooling and Servicing Agreement. The Lender hereby certifies, represents and warrants to, and covenants with, the Master Servicer and the Trustee that: (i) the Mortgage Loan is secured by Mortgaged Property located in a jurisdiction in which an assignment in lieu of satisfaction is required to preserve lien priority, minimize or avoid mortgage recording taxes or otherwise comply with, or facilitate a refinancing under, the laws of such jurisdiction; (ii) the substance of the assignment is, and is intended to be, a refinancing of such Mortgage Loan and the form of the transaction is solely to comply with, or facilitate the transaction under, such local laws; (iii) the Mortgage Loan following the proposed assignment will be modified to have a rate of interest at least 0.25 percent below or above the rate of interest on such Mortgage Loan prior to such proposed assignment; and (iv) such assignment is at the request of the borrower under the related Mortgage Loan. Very truly yours, ______________________________ (Lender) By: Name: Title: EXHIBIT N FORM OF REQUEST FOR EXCHANGE [DATE] __________________ __________________ __________________ Re: Residential Accredit Loans, Inc., Mortgage Asset-Backed Pass-Through Certificates, Series ____-___ Residential Funding Corporation, as the Holder of a % Percentage Interest of the [Interest Only/Class A-V][-1] Certificates, hereby requests the Trustee to exchange the above-referenced Certificates for the Subclasses referred to below: 1. [Interest Only/Class A-V]- Certificates, corresponding to the following Uncertificated REMIC Regular Interests: [List numbers corresponding to the related loans and Pool Strip Rates from the Mortgage Loan Schedule]. The initial Subclass Notional Amount and the Initial Pass-Through Rate on the [Interest Only/Class A-V]- Certificates will be $ and %, respectively. 2. [Repeat as appropriate.] The Subclasses requested above will represent in the aggregate all of the Uncertificated REMIC Regular Interests represented by the [Interest Only/Class A-V][-1] Certificates surrendered for exchange. All capitalized terms used but not defined herein shall have the meanings set forth in the Pooling and Servicing Agreement, dated as of ___________ 1, ____, among Residential Accredit Loans, Inc., Residential Funding Corporation and __________________, as trustee. RESIDENTIAL FUNDING CORPORATION By: ___________________________ Name: Title: EXHIBIT O Form of Form 10-K Certification I, [identify the certifying individual], certify that: 1. I have reviewed the annual report on Form 10-K for the fiscal year [____], and all reports on Form 8-K containing distribution or servicing reports filed in respect of periods included in the year covered by that annual report, of the trust (the "Trust") created pursuant to the Series Supplement dated ___________________ to the Standard Terms of Pooling and Servicing Agreement dated ____________________ (together, the "P&S Agreement") among Residential Accredit Loans, Inc. (the "Company"), Residential Funding Corporation (the "Master Servicer") and [Name of Trustee] (the "Trustee"); 2. Based on my knowledge, the information in these reports, taken as a whole, does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading as of the last day of the period covered by this annual report; 3. Based on my knowledge, the servicing information required to be provided to the Trustee by the Master Servicer under the P&S Agreement for inclusion in these reports is included in these reports; 4. I am responsible for reviewing the activities performed by the Master Servicer under the P&S Agreement and based upon my knowledge and the annual compliance review required under the P&S Agreement, and, except as disclosed in the reports, the Master Servicer has fulfilled its obligations under the P&S Agreement; and 5. The reports disclose all significant deficiencies relating to the Master Servicer's compliance with the minimum servicing standards based upon the report provided by an independent public accountant, after conducting a review in compliance with the Uniform Single Attestation Program for Mortgage Bankers as set forth in the P&S Agreement, that is included in these reports. In giving the certifications above, I have reasonably relied on the information provided to me by the following unaffiliated parties: [the Trustee]. Date:_______________________ ____________________________* Name: Title: * to be signed by the senior officer in charge of the servicing functions of the Master Servicer EXHIBIT P [FORM OF BACK-UP CERTIFICATION TO FORM 10-K CERTIFICATE] The undersigned, a Responsible Officer of [_________] (the "Trustee") certifies that: (a) The Trustee has performed all of the duties specifically required to be performed by it pursuant to the provisions of the Pooling and Servicing Agreement dated as of [_________], 20[__] (the "Agreement") by and among [__________], as depositor, Residential Funding Corporation, as master servicer, and the Trustee in accordance with the standards set forth therein. (b) Based on my knowledge, the list of Certificateholders as shown on the Certificate Register as of the end of each calendar year that is provided by the Trustee pursuant to the Agreement is accurate as of the last day of the 20[__] calendar year. Capitalized terms used and not defined herein shall have the meanings given such terms in the Agreement. IN WITNESS WHEREOF, I have duly executed this certificate as of _________, 20__.] Name:_____________________ Title: EXHIBIT Q INFORMATION TO BE PROVIDED BY THE MASTER SERVICER TO THE RATING AGENCIES RELATING TO REPORTABLE MODIFIED MORTGAGE LOANS Account number Transaction Identifier Unpaid Principal Balance prior to Modification Next Due Date Monthly Principal and Interest Payment Total Servicing Advances Current Interest Rate Original Maturity Date Original Term to Maturity (Months) Remaining Term to Maturity (Months) Trial Modification Indicator Mortgagor Equity Contribution Total Servicer Advances Trial Modification Term (Months) Trial Modification Start Date Trial Modification End Date Trial Modification Period Principal and Interest Payment Trial Modification Interest Rate Trial Modification Term Rate Reduction Indicator Interest Rate Post Modification Rate Reduction Start Date Rate Reduction End Date Rate Reduction Term Term Modified Indicator Modified Amortization Period Modified Final Maturity Date Total Advances Written Off Unpaid Principal Balance Written Off Other Past Due Amounts Written Off Write Off Date Unpaid Principal Balance Post Write Off Capitalization Indicator Mortgagor Contribution Total Capitalized Amount Modification Close Date Unpaid Principal Balance Post Capitalization Modification Next Payment Due Date per Modification Plan Principal and Interest Payment Post Modification Interest Rate Post Modification Payment Made Post Capitalization Delinquency Status to Modification Plan